Every dollar your portfolio spends on AI books to someone else's balance sheet.
Aventis Advisors, Software & AI Multiples, 2025; Palantir Q1 2026 disclosures. Each use case below earns the bronze side, not the ink side.
Read these before any use case
Seven patterns hold across all twelve.
01
The model is interchangeable. The workflow is not.
McKinsey 2025: 55% of high performers fundamentally redesigned workflows vs. 20% of peers. Only 5.6% of respondents attribute >5% EBIT impact to AI.
02
Failure rates are the baseline
S&P 2025: 42% of organizations abandoned the majority of their AI initiatives. MIT Project NANDA: 95% of integrated pilots produce no measurable P&L.
03
Human-in-the-loop is product design
Not a transitional crutch. The CFPB has explicitly warned that deficient financial chatbots cause legal violations. Klarna's reversal made this canon.
04
Compliance shapes adoption
Brazil (BCB), Mexico (CNBV, Banorte authorized May 2024), Colombia (SFC), Chile (CMF), Argentina (BCRA), Peru (SBS) each gate cloud-and-AI deployments differently.
05
The bottleneck is data and integration, not capability
EBA: banks mix third-party APIs, on-prem, and in-house systems. SITA: aviation value stalls when data does not flow across partners.
06
Multilingual reality is operational, not cosmetic
Mexican, Rioplatense, Andean, Colombian, Caribbean Spanish + Brazilian Portuguese are not interchangeable. McDonald's drive-thru is the cautionary tale.
07
Models commoditize. Orchestration compounds.
JPMorgan's LLM Suite, Bradesco's Bridge with 10 LLMs, BBVA on OpenAI plus Google plus GitHub Copilot. All multi-LLM. Differentiation lives in evaluation, governance, RAG, and tool orchestration.
Twelve, by where they land.
Banking
Vertical overview →01
KYC / AML investigation copilot
30–60% · false-positive reduction at fixed recall
→
02
Instant-payment fraud & dispute resolution · Pix · SPEI
30%+ · false-positive reduction at parity recall vs. incumbent rules
→
03
Document-heavy back office · credit · mortgage · regulatory
60–80% · time-per-loan / mortgage / filing reduction
→
04
RM / wealth-advisor knowledge copilot
98% · voluntary adoption (Morgan Stanley benchmark)
→
Hotels
Vertical overview →01
Multilingual guest-operations orchestration (PMS-linked)
75% · auto-resolution (RIU Claud·IA benchmark)
→
02
Revenue management & dynamic pricing
170 bps · RevPAR uplift (Wyndham proxy)
→
03
Energy & HVAC optimization
15–35% · energy cost per occupied room reduction (Iberostar BRAIAN bar)
→
04
Front-desk allocation & housekeeping orchestration
75% · front-desk allocation-time reduction (Iberostar bar)
→
Aviation
Vertical overview →01
Computer-vision turnaround / ramp visibility
44% · taxi-in time reduction (Pearson/Assaia, vendor-disclosed)
→
02
Biometric eGate / customs & immigration triage
~10s · per-passenger clearance (GRU)
→
03
Landside queue & curbside decision support
15% · traffic-density reduction (PANYNJ/JFK T4)
→
04
AOC disruption management / predictive maintenance
5,600 → 55 · maintenance-related cancellations / year (Delta APEX)
→
All run in production within one to four quarters from a diagnostic kickoff. The first lands inside a quarter.
The diagnostic identifies which one runs first inside your institution.
Request a working session →A working session, not a sales call.
Two hours with a partner. We map your AI spend, data exposure, and governance posture against a sovereign reference architecture. You leave with a memo. We leave with a decision.