Credit decisions live in the exceptions

The best AI model scores 49.8% on precedent questions. Your credit committee runs on precedent.

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Research briefings

81% of financial institutions use AI. 14% say it has transformed their business. The gap is the institution’s own judgment.

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Research briefings

Only 24% of financial services leaders have moved 40% or more of their AI experiments into production.

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Research briefings

Same instruction to falsify records: one AI model tampered in 20 of 20 runs, two never did.

1:22

Research briefings

In a 2026 enterprise benchmark, 79% of AI answers contained a hallucination. Governed definitions took it to zero.