Penomic video

Watch how financial institutions put their own judgment to work in AI.

Research briefings and short ideas from the Penomic Research team on how banks, insurers and investment firms make their own definitions, precedent and decision rights usable by AI.

1:36

Research briefings

The institutional intelligence gap

81% of financial institutions use AI. 14% say it has transformed their business. The gap is the institution’s own judgment.

Research briefings

Each Penomic Research paper in about ninety seconds: the finding, the evidence and what institutions should do.

1:36

Research briefings

The institutional intelligence gap

81% of financial institutions use AI. 14% say it has transformed their business. The gap is the institution’s own judgment.

1:19

Research briefings

Why AI pilots stall after the demo

Only 24% of financial services leaders have moved 40% or more of their AI experiments into production.

1:17

Research briefings

Govern the agent through the institution's decision rights

Same instruction to falsify records: one AI model tampered in 20 of 20 runs, two never did.

1:21

Research briefings

One number, five definitions

In a 2026 enterprise benchmark, 79% of AI answers contained a hallucination. Governed definitions took it to zero.

1:19

Research briefings

Credit decisions live in the exceptions

The best AI model scores 49.8% on precedent questions. Your credit committee runs on precedent.

1:16

Research briefings

What the senior banker knows that the pitch book does not

The best AI agents score 84.8% on earnings analysis and 34.5% on building the model an analyst would build.

1:20

Research briefings

Making the value-creation playbook executable

65% of European PE investors and executives achieved less than half the value targeted in recent plans.

1:17

Research briefings

The investment process is the firm's intellectual property

55% of asset managers have AI in an investment process. Only 5% let it make a recommendation or trade.

1:19

Research briefings

Underwriting appetite is institutional knowledge

Global property rates fell 12% in the second quarter. In a softening market, your appetite decides the loss ratio.

1:22

Research briefings

Private banking judgment does not travel well

35.3% of US advisors expect to retire within ten years. Their client knowledge is not in the CRM.

1:17

Research briefings

When the person who knows retires

Only 9% of bank boards have a named CEO successor with a timeline and a plan.

Penomic Shorts

Twenty-second ideas on the institutional knowledge AI is missing.

0:23

Penomic Shorts

Your AI can read every document in your bank

It still does not know how your institution thinks. Definitions, exceptions, precedent and authority are the layer the model is missing.

0:23

Penomic Shorts

Two companies. Identical financials.

Different lenders, different suppliers, different history. The right answer depends on institutional judgment that no record states.

0:23

Penomic Shorts

Five things experts correct in every AI pilot

Definitions, scope, exceptions, authority and evidence: what expert reviewers correct when a financial AI pilot moves toward production.

0:23

Penomic Shorts

The PE playbook is a slide

Which lever first, which signals, when to stop. The value-creation playbook only compounds when that judgment is executable across a portfolio.

Go deeper in Penomic Research

Every video draws on a full paper with exhibits and source notes.

Read the research