Why Enterprises Need to Govern AI Decisions, Not Just Build Models Executive Summary Over the past decade, enterprises have made remarkable progress in building artificial intelligence systems. AI models now power fraud detection, underwriting, credit risk evaluation, supply-chain optimization, and many other critical operations. These models are increasingly accurate and capable. Yet as AI systems move from experimentation into real operational environments, a different pattern is emerging....

For some time now, the insurance industry has adopted AI in fragments — a fraud model here, a claims bot there, an underwriting score somewhere else. Most of these initiatives succeed in isolation. Yet, when insurers attempt to scale them across a business line or a policy lifecycle, they confront a surprising bottleneck: the problem is not the model; the problem is the system around it. India’s insurance sector is at a pivotal point. Digital adoption is strong, regulators are encouraging...