What is Human-in-the-Loop (HITL) in Agentic AI? Human-in-the-Loop (HITL) in Agentic AI is an enterprise architecture pattern that combines autonomous AI decision-making with human oversight for high-impact actions. AI agents automate routine tasks independently, while financial, legal, regulatory, or sensitive decisions require human approval to ensure governance, compliance, transparency, and business accountability. Executive Summary Agentic AI enables systems to independently plan, reason, and execute multi-step