Credit Risk Assessment
Score borrowers on financials, payment history and macroeconomic data, with decisions that a credit committee, a customer and a supervisor can each follow.
Faster credit decisions that can be explained and defended
The problems enterprises face with AI today, by industry, team and capability, and how we approach each one: from shadow AI and agent security to AI spend, regulation and the systems worth building.
Navigate 92 enterprise AI use cases across industries, teams and capabilities
Every use case from the navigator above, grouped by industry. Open one for our approach and the stack.
16 enterprise AI use cases in this industry cluster.
Score borrowers on financials, payment history and macroeconomic data, with decisions that a credit committee, a customer and a supervisor can each follow.
Faster credit decisions that can be explained and defended
Answer questions on CRR3, MiFID II, DORA, the AI Act and internal policy, with the article behind every answer.
Sourced answers in place of manual searches, and fewer missed obligations
Catch fraud on instant payments, where money leaves in seconds and authorised push payment scams look like ordinary customer behaviour.
Fraud stopped before the money leaves, with analysts on the hard cases
Use years of internal loan performance data to price and select risk in ways a bureau score cannot.
Sharper risk selection, on models the bank owns
Match trades across front office, back office, prime brokers and custodians without manual spreadsheet work.
Less manual reconciliation and faster break resolution
Onboard customers quickly while generated ID documents and injected selfies get harder to spot.
Faster onboarding with fewer forged documents getting through
Use language models on trading, client and supervisory data that cannot leave the bank's control or the EU.
AI on the most sensitive data without a transfer to a third party
Predict which customers will be worth most over time, and what moves that value.
Marketing and retention spend aimed where it pays
Give advisers back the time they spend on meeting notes, follow-ups and suitability paperwork.
More adviser time with clients and cleaner records
Speed up strategy and execution code without weakening the testing that algorithmic trading rules demand.
Faster strategy development with controls intact
Keep up with new EU rules, technical standards and supervisory guidance, and see which policies each one touches.
Earlier warning and less manual horizon reading
Detect market abuse across orders, trades and the chat and voice messages around them.
Fewer false alerts and better-documented investigations
AI APIs, copilots and model platforms are ICT services under DORA, yet many never made it into the register of information.
A complete register before the supervisor asks for it
Cloned voices and live video deepfakes of senior executives are used to push staff into urgent payments.
A convincing call is no longer enough to move money
Pull comparable figures and commentary from annual reports, earnings calls and filings across a peer group.
Faster peer analysis with figures you can trace
Allocate capital across business lines under CRR3, stress scenarios and return targets.
Better returns on capital within appetite
9 enterprise AI use cases in this industry cluster.
Bring guidelines and the patient's own record together at the point of care, without the tool becoming an unregulated medical device.
Guidance at the point of care with a clear regulatory position
Prioritise patients in emergency departments and urgent care when demand outruns capacity.
The sickest patients seen sooner, with clinicians in control
Join patient records spread across hospital systems, laboratories and community care into one usable view.
A complete record and fewer repeated tests
Process insurance and reimbursement claims without delaying the straightforward ones or paying the wrong ones.
Faster payment of clean claims and fewer wrong payments
Let staff check what they may do with patient data under GDPR and national health records law, before they do it.
Fewer privacy incidents and fewer routine questions for the DPO
Run AI on patient data inside the hospital's own environment, where special-category data is safest.
AI on patient data without a transfer to a third party
Watch networked medical devices that cannot run security agents or take patches on a normal schedule.
Protected devices without disrupting care
Predict readmission, deterioration and length of stay from the hospital's own history.
Earlier intervention based on the hospital's own data
AI scribes promise to cut clinicians' note-writing time, and bring consent, accuracy and data retention questions with them.
Less documentation time, and no unreviewed notes in the record
10 enterprise AI use cases in this industry cluster.
Set prices from demand, competition and stock levels without crossing consumer law.
Better margins with pricing you can defend
Run personalised campaigns across e-mail, app and web without hand-building every variant.
More relevant campaigns from the same team
Write product descriptions at catalogue scale without inventing features or making claims the product cannot back.
Faster listings with accurate claims
Forecast demand by product, store and day, including promotions, weather and local events.
Fewer stockouts and less waste
Turn forecasts into orders automatically, with people handling the exceptions.
The right stock with less buyer time on routine orders
A chatbot that invents a discount or a returns rule creates a promise customers may hold the retailer to.
Help that is fast and right
Handle returns and refunds end to end for the cases that follow the rules.
Faster refunds and a clear view of why products come back
Stop card-not-present fraud and account takeover without turning away good customers.
Lower fraud losses with fewer false declines
Know competitors' prices, ranges and promotions as they change, not weeks later.
Faster, better-informed pricing responses
Shoppers increasingly ask AI assistants what to buy, and assistants recommend the products whose data they can read and trust.
Products that show up when customers ask an assistant
9 enterprise AI use cases in this industry cluster.
Predict equipment failures from sensor data before they stop the line.
Less unplanned downtime
Rebuild production schedules quickly when orders, materials or machines change.
Higher throughput and more on-time deliveries
See inventory, shipments and supplier risk across tiers, and meet new EU product data duties from the same data.
Earlier warning of disruption and less reporting effort
Help automation engineers write and document PLC logic without putting untested code on a running machine.
Faster engineering with safety untouched
Give technicians the right manual page, fault history and procedure on the shop floor, even where the network is poor.
Faster repairs, and knowledge that stays when senior staff retire
Catch defects during production instead of at final inspection.
Less scrap and rework
Detect threats on industrial networks without sending plant data to the cloud.
Protected production without new data exposure
Find the best settings for each process from the plant's own historical data.
Higher yield and lower energy use
Products with AI now fall under several EU laws at once: the AI Act, the Machinery Regulation, the Cyber Resilience Act and the Product Liability Directive.
One compliance file instead of four parallel projects
10 enterprise AI use cases in this industry cluster.
Review every pull request with AI, now that more of the code is written by AI in the first place.
Faster reviews without lower standards
Keep pipelines green by diagnosing failed builds, flaky tests and slow stages.
Less developer time lost to broken builds
Find answers across docs, code, tickets and chat, and spot documentation that has gone stale.
Less time searching, and docs that match the code
Resolve routine support tickets automatically and give support staff a head start on the rest.
Faster resolution and lower support cost
Answer access and erasure requests on time, including data held in logs, analytics and AI systems.
On-time responses with less manual searching
Fix the vulnerabilities that matter first, as the number of disclosed flaws keeps rising.
Exposure reduced where it matters most
Give developers AI assistance on code that must never leave the company's network.
AI-assisted development with the code staying in-house
Build models on the company's own product and usage data that competitors cannot copy.
Product insights competitors do not have
Coding agents now open pull requests on their own and can leak secrets, install packages a model invented and an attacker registered, or run unchecked commands.
Agent speed without new supply-chain risk
Software companies adding AI features need to know whether they are a provider or a deployer under the AI Act, and what they owe their customers.
Clear answers for customers' procurement and legal teams
8 enterprise AI use cases in this industry cluster.
Balance a grid with more solar, wind, storage and electrified demand, hour by hour.
Lower balancing costs and better use of renewables
Restore power faster and keep customers informed during outages.
Faster restoration and better communication
Turn millions of meter readings into reliable data for billing, losses and flexibility services.
Accurate bills and room for new flexibility services
Decide which transformers, cables and poles to replace first.
Fewer unplanned outages for the same budget
Speed up control system configuration and integration without putting grid operations at risk.
Faster updates with fewer configuration errors
Use AI for grid security where no data may leave the operational network.
AI security monitoring without a new attack path
Detect and contain attacks that move from IT into operational systems.
Faster containment with supply maintained
Data centre connection requests, many of them driven by AI, have outgrown what parts of the grid can supply.
More capacity connected without risking security of supply
7 enterprise AI use cases in this industry cluster.
Let lawyers and consultants search past work without one client's documents surfacing for another.
Firm knowledge reused without confidentiality breaches
Review incoming contracts against the firm's or the client's negotiating playbook.
Faster first review and consistent positions
Courts have sanctioned lawyers for filings that cited cases an AI tool made up.
No invented authorities in front of a judge
Draft proposals from past bids and credentials without reusing another client's confidential details.
Faster bids without confidentiality slips
Clients expect AI productivity to show up in fees, and hourly billing turns that into a margin problem.
Margins protected as work gets faster
More client contracts and outside counsel guidelines now restrict how firms may use AI on their work.
AI used within what each client has agreed
Test every transaction in a ledger instead of a sample, and focus auditors on the exceptions.
Wider coverage with the same audit team
23 enterprise AI use cases in this industry cluster.
Staff paste client data into personal AI accounts and browser extensions nobody approved, often on consumer terms that allow training and long retention.
Know which AI tools hold your data before a client or regulator asks
Prohibited practices and general-purpose AI model rules already apply, high-risk duties follow, and many organisations still have no list of their AI systems.
A dated plan instead of a last-minute scramble
Agents connected to e-mail, CRM and code repositories can be steered by instructions hidden in a page they read, and act with all the access they were given.
Agents that can act without becoming a way in
AI costs now arrive as per-token bills that grow with every agent loop, plus seat licences nobody checks against use.
AI spend that tracks the value it produces
Licences are bought and pilots launched, but few organisations can show what AI has changed in their numbers.
Investment decisions based on measured results
Model providers retire versions at short notice and change prices and terms, and applications tuned to one model break when it goes.
A model retirement becomes a planned test, not an outage
Enterprise AI assistants search everything a user can open, so years of overshared files become one question away.
The assistant's benefits without exposing HR, legal or board files
Assistants and agents that looked good in a demo degrade quietly in production when prompts, data or the model change.
Quality that is measured, not assumed
Risk reports, suitability letters and audit findings need wording that can be reproduced and defended, which a free-writing model cannot guarantee.
Reports you can reproduce word for word
Knowledge bases built by crawling go stale and fill with pages that are not what they seem, and the assistant on top repeats the errors.
An assistant that answers only from checked knowledge
See which proposed EU and national rules will affect the business, early enough to plan.
Lead time instead of surprises
Keep watch on suppliers between annual reviews, including AI vendors whose terms, sub-processors and data handling change often.
Supplier risk found when it changes, not at renewal
Let the security team keep up with alert volume without automating away judgement.
Faster response, with analysts on the real incidents
Find the routes an attacker could chain from an exposed asset to the systems that matter most.
Fixes ranked by how much risk they remove
Every agent runs on credentials, and agents' service accounts and long-lived tokens multiply faster than anyone reviews them.
Agent access you can see, limit and revoke
Decide when a small model tuned on your own data beats a large general model, and when retrieval alone is enough.
Lower cost per call and better accuracy where it counts
Run AI under EU control when the data, a contract or a regulator rules out a non-EU provider.
AI where you decide where the data goes
Run models on devices, vehicles and sites where connectivity, latency or privacy rule out the cloud.
Real-time AI that does not depend on connectivity
Capture what experienced staff know before they retire or leave.
Expertise that stays when people leave
AI that screens CVs or ranks candidates is high-risk under the AI Act, and duties fall on the employer as well as the vendor.
Faster hiring that stands up to a challenge
Answer employees' questions on leave, benefits and policies by country, so HR stops answering the same questions again and again.
Quick answers for staff and more HR time for real cases
Some tools sold for call-centre quality or video interviews infer emotions, which the AI Act has banned in the workplace since February 2025.
Workforce insight without a prohibited practice
Match employees to open roles and projects by skills, so people find their next move inside the company.
Better retention and faster staffing
See a use case that resonates with your business?
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