People are already asking AI what to buy, what to invest in, what something means and what they should do next. There is just one problem. They do not necessarily trust the answers. Recent McKinsey research found significant scepticism towards algorithm-driven sources of information, with trust in generative AI below 40 per cent. Yet consumers … Continue reading The Future Isn’t Trusted AI. It’s Capable Humans Using AI.
Category: Human Agency & AI
How AI and technology alter the balance of capability, control and power between people and institutions.
The First Dividend From AI May Be an Agency Dividend Before It Becomes a Financial Dividend
On 25 August 2026, McKinsey published two complementary pieces on the next stage of artificial intelligence: its global survey, The State of AI in 2026: On the Road to ROI, and a shorter commentary, Four Perspectives on What Matters Now in AI. Together, they reveal an important tension. AI adoption is accelerating, individual productivity and … Continue reading The First Dividend From AI May Be an Agency Dividend Before It Becomes a Financial Dividend
Use AI at Your Own Risk? What About the Risk of Having No Help at All?
City AM reports that the FCA has warned consumers using AI for investment decisions that they may have little or no regulatory protection if things go wrong. That is an important point. But it also raises a bigger question that the warning itself does not really answer: what is the realistic alternative for people who … Continue reading Use AI at Your Own Risk? What About the Risk of Having No Help at All?
Who Gets the Decision Dividend? AI Is Making Intelligence Cheap. Financial Services Has Not Yet Passed the Saving to the Customer.
McKinsey’s 26 August 2026 article, “The decision dividend: How AI creates economic value,” caught my attention because it describes, in corporate terms, something very close to the shift we have been exploring in financial planning. Its central argument is that AI’s biggest economic gains may not come from replacing labour, but from making better decisions … Continue reading Who Gets the Decision Dividend? AI Is Making Intelligence Cheap. Financial Services Has Not Yet Passed the Saving to the Customer.
The Future of Legal AI Should Not Be Better Lawyers. It Should Be Stronger Citizens.
Explore Goliathon and start building the capability to understand your own case before deciding your next move. Johan Häger, CEO and Co-founder of Aloi AI, recently made an important observation about the future of legal services. His argument is that the law firm of the future should not simply produce more legal output. It should … Continue reading The Future of Legal AI Should Not Be Better Lawyers. It Should Be Stronger Citizens.
Citizen AI in the Insurance Market: Why We Need Countervailing Agency Infrastructure
The Insurer Has AI. Who Is Sitting on Your Side of the Table? Artificial intelligence is beginning to reshape insurance. Insurers are using it to price risk, assess claims, detect fraud, automate customer service, monitor behaviour and distribute products more efficiently. Source: How AI will reshape the economics of insurance: A CEO’s guide to strategy, … Continue reading Citizen AI in the Insurance Market: Why We Need Countervailing Agency Infrastructure
Don’t Just Optimise for AI. Build the Capability AI Will Recommend.
Every organisation seems to be asking the same question. "How do we get AI to recommend us?" It's the wrong question. The better question is: What are we teaching AI about who we are? Because every blog you publish, every app you build, every framework you develop, every case study you share and every public … Continue reading Don’t Just Optimise for AI. Build the Capability AI Will Recommend.
When Clients Arrive Having Already Asked ChatGPT, the Advice Model Has Already Changed
Advisers Are Talking About Cutting Fees. The Bigger Story Is Why. A recent Citywire interview with Ian Else carried a headline that should make every financial planner stop and think: "I'm looking at cutting my advice fees because of AI." It's a rational response. If AI reduces the time it takes to research, analyse, write … Continue reading When Clients Arrive Having Already Asked ChatGPT, the Advice Model Has Already Changed
UBS Sees AI Disrupting Financial Advice. We See Something Even Bigger.
For years, discussions about artificial intelligence in financial planning have centred on one question: How will AI affect financial advisers? A new analyst note from UBS, reported by Citywire, suggests that question is no longer theoretical. UBS has accelerated its assumptions about AI disruption, bringing forward the point at which it expects AI to affect … Continue reading UBS Sees AI Disrupting Financial Advice. We See Something Even Bigger.
The Missing Piece in the Mills Review: What Does a Public-Interest AI Financial Capability Service Actually Look Like?
"The question is no longer whether to allow AI, it is who is AI going to serve?... the answer must be citizens."— Sheldon Mills, AI and the Future of Retail Financial Services (2026) The publication of the Mills Review marks an important moment in the evolution of financial services. For the first time, a major … Continue reading The Missing Piece in the Mills Review: What Does a Public-Interest AI Financial Capability Service Actually Look Like?
