Industry Perspectives

Industry-specific insights and case studies. How AI challenges and solutions vary across financial services, healthcare, retail, and other sectors.

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Industry Perspective · 8 min read

Customs & Trade AI: The Fraud Is in the Relationship, Not the Declaration

Customs agencies have built their AI strategies around the declaration — the individual shipment, the single import record, the per-transaction risk score. Most systematic customs fraud is invisible at that level. It lives in the trading relationship: the pattern that emerges when you examine 200 shipments from the same trader, not one. The agencies closing the revenue gap have understood this. Most have not.

30 Jun 2025 Government Customs

Industry Perspective · 9 min read

Tax Administration AI: Detection Is Not the Bottleneck

Tax authorities already have more suspicious cases than investigators can work. The constraint is not finding non-compliance — it is converting non-compliance into collected revenue within the limits of finite investigator capacity. AI that adds to the detection pile without improving how the pile is worked is solving the wrong problem.

23 Jun 2025 Government Tax

Industry Perspective · 11 min read

Payment Networks: The Entity With the Best View Is Not Making the Decision

Payment networks occupy the most analytically privileged position in financial services. They see transaction behaviour across every issuing bank, every acquiring bank, every merchant category, in real time. The individual banks making approval and decline decisions see only their own slice. This asymmetry should be the defining competitive advantage in financial services AI. Most networks are not using it that way.

16 Jun 2025 Financial Services Payments

Industry Perspective · 7 min read

Government Benefits AI: The Fraud Frame Is Costing Agencies More Than Fraud Does

Benefits agencies have built their AI strategies around fraud detection. Fraud is real and worth addressing. But the larger financial problem — overpayment accumulation from delayed circumstance detection — is not a fraud problem. And the human cost of the agencies' blind spot — entitled citizens not receiving support — is not addressed by fraud AI at all. A different frame produces a different strategy, and a better one.

9 Jun 2025 Government Public Sector

Industry Perspective · 7 min read

Healthcare Insurance AI: MLR Is a Timing Problem, Not a Cost Problem

Health plans have spent years treating the medical loss ratio as a cost management challenge — managing utilisation, tightening authorisations, negotiating provider rates. The plans that are actually moving their MLR with AI are doing something different. They are compressing the time between a detectable signal and a clinical intervention. That is a fundamentally different problem, and it requires a fundamentally different AI strategy.

2 Jun 2025 Financial Services Healthcare

Industry Perspective · 7 min read

P&C Insurance AI: The Investment Is Concentrated in the Wrong Place

P&C carriers have invested heavily in claims AI — the post-loss layer where data is richest and results are most visible. The economic leverage is in underwriting and catastrophe accumulation — the pre-loss layer where better decisions prevent losses from entering the book at all. These are not equivalent investments, and the industry is treating them as if they were.

26 May 2025 Financial Services Insurance

Industry Perspective · 7 min read

Retail Banking AI: The Industry Is Measuring Success Wrong

Banks have built sophisticated AI systems to detect fraud, prevent defaults, and flag suspicious activity. They measure success by what those systems catch. The cost of what they wrongly block is larger than most banks have calculated — and it is the number that should be driving AI investment decisions.

19 May 2025 Financial Services Retail Banking

Industry Perspective · 10 min read

AI Opportunities in Travel and Leisure Operations

Travel and leisure operators are often approached with generic AI narratives focused narrowly on fraud detection or customer service automation. In reality, the largest AI opportunities sit across reservation operations, disruption management, customer economics, servicing workflows, and operational execution throughout the travel journey. Cruise lines illustrate why.

10 May 2025 Travel Leisure