**The big picture:** Dow is facing internal governance and funding challenges with Workday's new 'Flex Credits' model, hindering its adoption of agentic AI despite recognizing its potential. **Why it matters:** This case highlights a growing tension between IT and HR over budget ownership and accountability for AI consumption, impacting enterprise-wide technology adoption and workforce strategy. **Between the lines:** - Workday's 'Flex Credits' shift payment from per-user licenses to consumption-based AI usage. - Dow's HR Digital Product & AI Leader, Sarah Jo Rowley, questions who governs and funds AI consumption to prevent budget overages. - Concerns exist about skill degradation among employees as AI agents take over tasks. **Staffing & HR impact:** The debate over AI funding and governance directly impacts HR's ability to strategically deploy new technologies, potentially slowing down efficiency gains and requiring new compliance frameworks for AI accountability. **The bottom line:** Companies must proactively define internal AI governance and funding models to unlock the full potential of agentic AI without creating internal friction or unexpected costs.