Notes on AI at work.

What changes when AI moves from a tool to the operating model: enablement, adoption, transformation, and the evidence that makes it durable.

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01Featured

October 2026

AI Is Not a Commodity When It Sits at the Heart of the Business

Anyone can rent the same model. The advantage is the context around it: the workflows, the judgment, the evidence and the people who know what to do when it is wrong.

StrategyAdoptionTransformation
Read the essay7 min read
02Recent

The argument, in pieces.

GovernanceFinanceHealthcare

The AI Systems Register: The Document Your Regulator Asks For First

Most organisations cannot list the AI systems they already have in production. That list is the first thing an auditor asks for, and the cheapest artefact to build properly.

September 20266 min read
VietnamFinanceCompliance

Reading Vietnam's AI Law as a Financial Institution

Vietnam's AI Law, Law No. 134/2025/QH15, has been in force since March 2026, and the finance sector's compliance date is September 2027. What a bank or insurer should be doing in the meantime.

September 20267 min read
ComplianceAuditBest Practices

Gap Analysis: What a Conformity Audit Actually Finds

A conformity audit is not a maturity score. It is a list of specific, defensible gaps between what you do and what a framework requires, whether you lend money or treat patients.

August 20266 min read
03Archive
RiskFinanceHealthcare

Fail-Closed Is a Governance Decision, Not an Engineering One

When a system fails, does it protect the person or the process? That decision is made long before anyone writes code, and it is precisely what a supervisor asks about afterwards.

July 20265 min read
Impact AssessmentHealthcareFinance

Impact Assessment: Patients and Borrowers Are Not Users

Product thinking asks what a user wants. Regulated thinking asks who is affected, in what way, and what happens to them when the model is wrong.

June 20266 min read
ExplainabilityFinanceHealthcare

Explainability in Lending and Clinical Decisions: One Question, Two Regulators

A declined credit line and a deprioritised referral are both automated decisions about a person. Both require an explanation a human can give, under pressure, to someone who is upset.

May 20267 min read

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