Tag: ai

Restoring Human Agency Without Surrendering Your Data, Judgement, or Autonomy

A recent legal sector survey revealed something deeply important — and not just for lawyers. Nearly 60% of legal professionals admitted using unapproved public AI tools such as free versions of ChatGPT for client work, despite confidentiality obligations and professional conduct rules. At the same time, many firm leaders believed their organisations faced “zero risk” … Continue reading Restoring Human Agency Without Surrendering Your Data, Judgement, or Autonomy →

Growth for Whom? Why Restoring Human Agency May Be the Real National Challenge

Growth for Whom? Why Restoring Human Agency May Be the Real National Challenge In a recent article, Rishi Sunak argued that economic growth remains the defining challenge facing Britain. Without stronger growth, he warned, public finances worsen, politics becomes more volatile, and increasingly difficult decisions must be made regarding regulation, the size of the state, … Continue reading Growth for Whom? Why Restoring Human Agency May Be the Real National Challenge →

Institutional SaaS vs Human Agency

Why the Future of Financial Wellbeing May Depend on Who Controls the Operating System For decades, financial technology has largely been built for institutions. Not for people. The interfaces may have looked consumer-friendly.The branding may have spoken about empowerment, trust, and outcomes.But beneath the surface, much of the architecture of modern financial technology was designed … Continue reading Institutional SaaS vs Human Agency →

The Leveller™ and the Public Interest Movement Toward Informed Consent

For years, consumer harm has often been framed as a personal failure. “You should have read the agreement.”“You signed it.”“You accepted the terms.” But a new UK Government consultation on the misuse of Non-Disclosure Agreements (NDAs) suggests something important is beginning to shift. The conversation is slowly moving away from:“Did someone sign?” Towards:“Did they truly … Continue reading The Leveller™ and the Public Interest Movement Toward Informed Consent →

Fiduciary or Free Thinker? Why the “Best Interests” Badge May Not Mean What You Think

For years, consumers have been told to look for one word when choosing a financial professional: “Fiduciary.” The term sounds reassuring. Protective. Dependable. It suggests the person sitting across the table is legally and ethically required to put your interests first. And in many ways, that is true. But there is a deeper question very … Continue reading Fiduciary or Free Thinker? Why the “Best Interests” Badge May Not Mean What You Think →

Restoring Human Agency in the Age of AI

What Health Services Can Teach Financial Planning About the Future of Human Capability For decades, both healthcare and financial services have operated around a remarkably similar assumption: The expert knows best. In healthcare, the doctor diagnoses, prescribes, and directs. In financial services, the adviser recommends, structures, and manages. The individual — patient or client — … Continue reading Restoring Human Agency in the Age of AI →

The Missing Voice at Adviser Conferences: What Advisers Aren’t Hearing About AI

What sits underneath many industry conferences is an uncomfortable structural reality: the ecosystem is largely self-referential. The sponsors fund the event.The media platforms depend on industry advertising.The exhibitors sell to advisers.The speakers often come from firms benefiting from the existing model.The audience attends within that commercial architecture. That does not automatically make the discussions wrong. … Continue reading The Missing Voice at Adviser Conferences: What Advisers Aren’t Hearing About AI →

When Institutions Call Human Agency Dangerous

There was a revealing moment this week in the financial services industry. Speaking at a financial crime conference in London, the chief executive of the Financial Conduct Authority warned that artificial intelligence is accelerating fraud, cybercrime, sanctions evasion, and money laundering. Criminals, we were told, are becoming faster, more organised, and more adaptive. AI, according … Continue reading When Institutions Call Human Agency Dangerous →

When Institutions Start Calling Agency Dangerous

Why agency-expanding technologies are often resisted precisely when they begin dissolving dependency structures For most of modern history, institutions have held a structural advantage over individuals. Not always because they were more intelligent.Not always because they were malicious.But because they possessed something ordinary people did not: Access. Access to information.Access to expertise.Access to analytical capability.Access … Continue reading When Institutions Start Calling Agency Dangerous →