Underwriting appetite is institutional knowledge

Global property rates fell 12% in the second quarter. In a softening market, your appetite decides the loss ratio.

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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.

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Research briefings

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