施罗德集团财务长梅根·伯内特指出，人工智慧助理正逐步从提供资讯走向代表消费者执行金融操作的「代理金融」时代。针对英国金融行为监管局发布的「米尔斯审查」，作者强调仓促将现有金融法规全盘套用于通用型AI工具可能并非良策，因为过度监管可能促使AI工具退出特定领域，反而剥夺消费者获取实用金融建议与普及专业知识的机会。

面对AI跨领域且全球普及的特性，监管机构应退一步进行更广泛且长远的思考，而非仅由单一金融领域单方面定义其治理模式。为了避免英国消费者获得次等或功能受限的服务，作者主张英国应深化与技术提供者的合作，订定明确指引以区分受监管资讯与一般建议，并建立切合英国在地市场特性的可信资料来源与验证标准。

这项变革并非主张放弃监管，相反地，监管制度所象征的高标准与救济保障在代理金融未来中更能巩固消费者的信任与市场竞争力。人工智慧已是不可逆的趋势，消费者、企业与监管机构眼下面临的核心课题，在于如何在有效控制并防范潜在风险的同时，兼顾并充分释放这项技术为大众带来的实质效益。

Meagen Burnett, CFO at Schroders, highlights that AI assistants are advancing from simply providing information to executing actions on behalf of consumers in an emerging era of agentic finance. In response to the UK Financial Conduct Authority's Mills Review, she warns that rushing to apply traditional financial activity regulations directly to general-purpose AI could be counterproductive, potentially forcing AI tools to withdraw and depriving consumers of democratized expertise and crucial financial help.

Given that AI is inherently general-purpose and global, regulators need to step back and adopt a broader, fundamental rethink rather than letting the financial sector alone dictate governance. To prevent UK consumers from being disadvantaged with restricted tools compared to other markets, Burnett advocates collaborating with providers on clear guiding principles, establishing localized UK trusted data sources, and helping users discern when automated advice is reliable or requires human intervention.

This proposed perspective does not mean abandoning regulation; rather, an agentic future will reinforce the importance of trusted, regulated institutions whose high standards and safety nets underpin consumer confidence. Because AI adoption is already pervasive and accelerating, the primary challenge for consumers, firms, and regulators is to prudently manage the risks of harm without forfeiting the transformative benefits that these tools deliver.