Microsoft 365 Copilot Wave 3 introduces Cowork — AI that delegates complex, multi-step tasks over hours or days. Calendar triage, meeting prep, company research, and launch plans. But for EU customers: Cowork’s Anthropic models are excluded from the EU Data Boundary and disabled by default. Admins must opt in. Your Business Central data stays in the EU.
Key Takeaways
- Copilot Cowork can run multi-step tasks autonomously — calendar triage, meeting prep, company research — over hours or days without user supervision.
- Cowork uses Anthropic Claude models, which are NOT covered by Microsoft's EU Data Boundary. Data may leave the EU.
- EU admins must explicitly opt in to Cowork; it is disabled by default for European tenants.
- Business Central Copilot features remain unaffected — they use Microsoft-hosted Azure OpenAI within the EU Data Boundary.
- The "Frontier Firm" concept envisions organisations where human teams and AI agents collaborate as peers, each handling tasks suited to their strengths.
Frequently Asked Questions
What is Copilot Cowork?
Copilot Cowork is a new capability in Microsoft 365 Copilot that can handle complex, multi-step tasks autonomously. Unlike regular Copilot (which responds to single prompts), Cowork can plan, execute, and iterate on tasks over hours or days — such as preparing meeting briefs, researching companies, or drafting launch plans.
Is Copilot Cowork available in the EU?
Cowork is disabled by default for EU tenants because it uses Anthropic Claude models that are not covered by Microsoft's EU Data Boundary. Tenant administrators must explicitly opt in, understanding that data processed by Cowork may leave the EU.
Does Copilot Cowork affect my Business Central data?
No. Business Central Copilot features (bank reconciliation, item descriptions, chat) use Azure OpenAI models hosted within the EU Data Boundary. Cowork operates in the Microsoft 365 layer (Outlook, Teams, Word) and does not interact with Business Central data.
Should I enable Copilot Cowork for my Luxembourg company?
It depends on your data sensitivity and regulatory requirements. If your organisation is subject to banking secrecy laws, GDPR-sensitive processing, or NIS2 obligations, consult your DPO before opting in. For general business use (meeting prep, research), the productivity gains can be substantial.
What this means for you
As a Microsoft Dynamics 365 Business Central partner in Luxembourg, SK Consulting helps you navigate every release, licensing change, and AI feature. Whether you need a quick briefing or a full implementation plan, we translate Microsoft updates into action for your business.