AI Risk

Below is a video describing the potential of 'Intelligence Capital' - a new strategic asset for driving new growth and value, and the context for our big 𝗔𝗴𝗲𝗻𝘁𝗶𝗰 𝗔𝗜 𝗳𝗼𝗿 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 conference with InsTech on 7th July in London. Details of the event in Comments 👇 Leveraging Intelligence Capital, which is enabled by Agentic AI, means the insurance industry has the potential to add more value to the world, and close 'protection gaps', creating wins for: * Customers (better risk mitigation solutions for more people) * Insurers/MGAs/Brokers who adopt effectively (and their shareholders) * Government and Society (taxpayers pick up less of the slack when bad things happen). #AgenticAI #IntelligenceCapital #AIstrategy Full video here: https://lnkd.in/eEcC__AM Thank you in advance to the wonderful expert speakers, inc: Robin Merttens Ashok Krishnan Pieter Viljoen Gina Gill Nick Williams-Walker Erdal Atakan Alice Jin Amelie Breitburd Stefan Ramershoven Tjeerd Bosklopper Nikhil Chaudhari Ed Ackerman Manuela Veloso Ian Thompson Arnaud Vincent Elena Maran

Only 7% of insurance carriers have scaled conventional AI at enterprise level (BCG). Yet 57% are now calling agentic AI, a harder technology, a top investment priority (PwC). The industry is raising the bar before it has cleared the first one. We're looking for five C-suite leaders who have closed that gap. The 𝗧𝗼𝗽 𝟱 𝗔𝗴𝗲𝗻𝘁𝗶𝗰 𝗙𝗮𝗰𝗲𝘀 in Insurance identifies the executives who moved agentic AI into production across European insurance. Two recognition pathways: Production Impact and/or Architectural Readiness. No submission documents, just a 20-minute conversation with the evaluation panel. Insurers, reinsurers, MGAs, and brokers only. 𝗔𝗽𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀 𝗰𝗹𝗼𝘀𝗲 𝟯𝟭 𝗠𝗮𝘆: topagenticfaces.com Winners announced on stage at 𝗧𝗵𝗲 𝗔𝗴𝗲 𝗼𝗳 𝗔𝗴𝗲𝗻𝘁𝗶𝗰 𝗔𝗜: 𝗙𝗿𝗼𝗺 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝘁𝗼 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗩𝗮𝗹𝘂𝗲, 7 July, London. 450 executives. Tickets from £200: instech.co/events. The latest 𝗗𝗶𝘀𝗽𝗮𝘁𝗰𝗵𝗲𝘀 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗔𝗴𝗲𝗻𝘁𝗶𝗰 𝗙𝗿𝗼𝗻𝘁𝗶𝗲𝗿 covers why the scaling record matters for the agentic wave, and what the organisations that crossed into production are doing differently. 👇 (The 7% didn't wait for consensus. The leaders now shipping agentic systems aren't waiting either. Deadline: 31 May.) #AgenticAI #AIstrategy #IntelligenceCapital Robin Merttens Bryan Johnson Ian Thompson

Morgan Stanley has 60 live AI deployments. Half a billion hours saved annually. 98% adviser adoption. The most rigorous public AI architecture framework produced by any financial institution. And its former head of AI - Jeffrey McMillan - has just recommended that every enterprise outsource the one layer that determines whether any of it compounds. In my latest Dispatches, I use Morgan Stanley — the world's fifth-ranked AI bank — to show exactly how far excellent AI execution takes you, where it stops, and what the organisations pulling permanently ahead are doing differently. The argument applies to every knowledge-intensive sector - insurance, asset management, professional services - not just banking. The most senior AI leaders at some of the world's most advanced financial institutions have already reached the same conclusion independently. Most enterprises haven't. Access the article below 👇 #AgenticAI #AIstrategy #IntelligenceCapital

🏆 Insurance has no shortage of innovation awards. None of them focus on 𝗔𝗴𝗲𝗻𝘁𝗶𝗰 𝗔𝗜. Until now. We're launching the 𝗧𝗼𝗽 𝟱 𝗔𝗴𝗲𝗻𝘁𝗶𝗰 𝗙𝗮𝗰𝗲𝘀 𝗶𝗻 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 — the first awards programme dedicated to identifying leaders who have moved agentic AI from pilot into production across European insurance. Five winners. Selected for what they shipped, not what they pitched. Two recognition pathways: Production Impact (measurable results in live operations) and Architectural Readiness (the structural decisions that make compounding gains possible). No submission documents. No glossy case studies. The evaluation is a 20-minute structured conversation with an independent panel of experts: a direct account of what you built, what it changed, and what you learned. For insurers, reinsurers, MGAs and brokers only (no vendors). Winners will be announced on stage at the InsTech/AI Risk Agentic AI summit in London on 7th July, in front of 400+ insurance and technology executives (see comments). Organised by InsTech and AI Risk. Sponsored by Otera. 👏 If you know a CEO, CUO, COO, CIO, CCO, CTO, or CDO who belongs in the founding five, tag them. Self-nominations equally welcome. 𝗔𝗽𝗽𝗹𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀 𝗰𝗹𝗼𝘀𝗲 𝟯𝟭 𝗠𝗮𝘆. 🫵 Apply or nominate → topagenticfaces.com

In February 2026, insurance broker stocks fell 11% in a week. Bank of America put a number on one of the reasons why: $15 billion in insurance commissions face material AI disintermediation risk. Most boards - across all parts of the insurance industry - still haven't discussed it once. A new class of buyer is being built — AI agents that discover, compare, and transact on behalf of consumers and businesses without visiting a website or calling a broker. The structural positions are being claimed now, before it reaches scale. My latest 'Dispatches from the Agentic Frontier' covers what's changed, what's measurable today, and the three questions all boards need to answer before the window closes. 👇 #agenticcommerce #aistrategy #agenticai

Yesterday Google renamed its entire AI platform as an 𝗮𝗴𝗲𝗻𝘁 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺. 𝘛𝘩𝘢𝘵 𝘵𝘦𝘭𝘭𝘴 𝘺𝘰𝘶 𝘦𝘷𝘦𝘳𝘺𝘵𝘩𝘪𝘯𝘨 𝘢𝘣𝘰𝘶𝘵 𝘸𝘩𝘦𝘳𝘦 𝘵𝘩𝘦 𝘮𝘢𝘳𝘬𝘦𝘵 𝘪𝘴 𝘩𝘦𝘢𝘥𝘪𝘯𝘨. 👍 𝗪𝗵𝗮𝘁 𝘁𝗵𝗲𝘆 𝗴𝗼𝘁 𝗿𝗶𝗴𝗵𝘁: Memory Bank for persistent cross-session memory. Cryptographic identity for every agent. 200+ models including third-party, meaning memory persists independently of the model. This is the most architecturally complete enterprise agent harness* any major cloud provider has announced so far. A serious piece of engineering. 👎 𝗪𝗵𝗮𝘁'𝘀 𝗺𝗶𝘀𝘀𝗶𝗻𝗴: Google's harness* governs what agents can do. It does not capture why they reasoned as they did. Memory Bank stores operational context across sessions. It does not record how an expert weighed competing signals on an ambiguous problem, or why a manager overrode the model's recommendation. Operational memory compounds efficiency. It does not compound judgement. That distinction, between memory that produces parity and memory that produces structural advantage, is our #IntelligenceCapital thesis (see comments 👇). The lesson for COOs and CIOs: the infrastructure is now ahead of organisational readiness. Google, Microsoft, and Salesforce have all built a harness*. None has built the deliberation layer above it. The platform you choose matters less than whether your architecture captures reasoning on the decisions that actually determine your financial outcomes. That is the layer we build for our customers at AI Risk. [* A 'Harness' is the 98% of an agent system that is not AI: the permission gates, memory architecture, context management, and governance infrastructure that turn a language model into a system that acts - see comments for details 👇]. https://lnkd.in/erRd_qNC Matthew Olson Jayodita Sanghvi Rick Rioboli Mike Branch Toshiaki Iwamoto Etienne Bertin Nitin Sharma Michael Gerstenhaber Michael Bachman Manuela Veloso Arnaud Vincent

Microsoft just published the first enterprise agentic AI playbook built from three years of company-wide deployment — a 'Customer Zero' retrospective from the vendor whose infrastructure most of the enterprise world runs on. 10,000 words. Five-stage maturity model. Governance matrix. Agent 365 control plane. Drawn from their own internal deployment across the entire company. It is genuinely useful. Every Azure-using enterprise should study it. But the destination it describes — what Microsoft calls a "Frontier Firm" — contains no mechanism for compounding advantage. The word "deliberation" does not appear. The word "memory" appears once, in passing. The six dimensions of measurement are all efficiency metrics. None measures what the organisation has accumulated that competitors cannot later purchase. The Frontier Firm, as Microsoft defines it, is a firm that has automated more and governed better. 𝗜𝘁 𝗶𝘀 𝗻𝗼𝘁 𝗮 𝗳𝗶𝗿𝗺 𝘁𝗵𝗮𝘁 𝗵𝗮𝘀 𝗯𝘂𝗶𝗹𝘁 𝗮𝗻 𝗮𝘀𝘀𝗲𝘁 𝗶𝘁𝘀 𝗰𝗼𝗺𝗽𝗲𝘁𝗶𝘁𝗼𝗿𝘀 𝗰𝗮𝗻𝗻𝗼𝘁 𝗿𝗲𝗽𝗹𝗶𝗰𝗮𝘁𝗲. Earlier in the month I examined what McKinsey, BCG, and Bain et al are missing about agentic AI. Microsoft's guide completes the picture from the other side. The advisory firms tell you how to think about transformation. The infrastructure vendor tells you what to build. Neither tells you what to own. Full analysis, including what Microsoft got right, what the framework inadvertently confirms, and the counterfactual that shows where the architectural choice really should be made, see below...👇 #AgenticAI #IntelligenceCapital #AIstrategy

McKinsey, BCG and Bain have all published serious agentic AI frameworks in the past six months. I recommend all of them. But... While they are well-researched, credible, and pointing in the same direction, they share one analytical gap — which happens to be the gap where durable competitive advantage will actually be decided. All three frameworks describe what AI-era advantage looks like. None identifies the mechanism that makes it permanent rather than temporary. My latest Dispatches explains what they're circling, and why time is the one compounding advantage that cannot be purchased retroactively. Full article below 👇 #AgenticAI #IntelligenceCapital #AIStrategy

Agentic AI is no longer a theoretical discussion about a future capability. Boards are asking harder questions. Investment committees want numbers, not narratives. CEOs, COOs and CIOs are being challenged to explain where value will come from, how risks will be controlled and whether this is a technology wave worth backing ahead of others.   The question has shifted from “Is Agentic AI real?” to “How do we turn this into measurable commercial value?”.    On Tuesday 7th July, I’ll be speaking at AI Risk's joint event with InsTech entitled: ‘The age of Agentic AI: from strategy to commercial value’. This event will bring together 450 senior leaders to explore how we turn AI ambition into measurable commercial return.   We’ll explore the strategic, operational and commercial questions shaping the next phase of agentic AI in insurance.   You can view details and register now at the link in Comments.   #AI #agenticAI #artificialintelligence 

The next phase of #agentic AI in #insurance will not be defined by individual use cases alone. It will be shaped by the #coordination layer. As insurers move beyond pilots, the challenge is no longer just automation. It is how decisions, workflows and intelligence are connected across underwriting, claims, operations and distribution. That is where much of the commercial value sits. For 'The age of Agentic AI: from strategy to commercial value' on 7 July, we are bringing together a group of technology partners working across different parts of that landscape, from underwriting workflow and orchestration to operational deployment, reasoning and automation inside existing systems. This carousel introduces the first #sponsors supporting the event and the role each plays in the broader shift from isolated AI activity to coordinated deployment. More on the event here: https://lnkd.in/eDvW5vpx #Insurance #AgenticAI #Insurtech #ArtificialIntelligence #Underwriting #Claims #InsuranceInnovation  Simon Torrance Ed Ackerman Amelie Breitburd Erdal Atakan Ian Thompson Nick Williams-Walker Oliver Morris Nikhil Chaudhari AI Risk Artificial Labs Federato INSTANDA mea Otera Send Unitary V7 Robin Merttens Sam Jones Alex Smithard Philippa Harrod Susi Ozkurt Charlotte Salisbury Zoja Wojcik Jack Wride Kunal Shinde