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"Practical AI vs. Agentic AI Hype," examines the significant divide in the enterprise technology landscape of 2025 between successful, governed AI solutions and the unfulfilled promises of autonomous systems. It argues that high-value deployments are consistently found in "Practical AI" applications—such as fraud detection, predictive analytics, and human-assisting tools like copilots and Retrieval-Augmented Generation (RAG)—which focus on simple process automation and administrative support. Conversely, the report dismisses "Agentic AI," or fully autonomous decision-making systems, as marketing hype due to overwhelming failure rates, high implementation risks driven by error cascading, and economic unviability. The analysis uses major financial players like JPMorgan Chase to demonstrate how their substantial $1.5 billion in AI-driven value stems entirely from these practical, "boring" solutions, concluding that the market is pivoting from full autonomy to controlled "Agentic Workflows" to achieve reliable returns on investment.