AI Publications

🔗https://www.pymnts.com/news/banking/2026/davos-signals-a-disciplined-era-for-ai-in-banking-and-fintech/

The Davos discussion “Banking Accelerated” framed a clear shift in tone around AI in financial services: moving from experimentation and “speed” narratives toward disciplined deployment—where trust, resilience, collaboration, and enabling regulation determine who wins.

Leaders from RBC, PayPal, Commerzbank, BTG Pactual, and the Qatar Central Bank converged on the idea that AI is reshaping finance faster than any single institution can adapt alone, so the competitive game is now about earning and sustaining trust while scaling safely.

Frenemies in a Digital Value Chain

Banks and FinTechs are increasingly “frenemies”: they compete across payments, wallets, and commerce, yet depend on each other to innovate and scale.

RBC’s CEO emphasized that digitization is pushing banks to expand beyond pure transaction processing into earlier stages of customer intent—like discovery and decision-making—because staying “the last mile of payments” invites disintermediation by platforms that control devices, data, and customer interfaces.

As we enter 2026, the AI market is growing up. The big question isn’t “what can this model do?” anymore. It’s “Can we trust this system to run inside the messy reality of a business—under constraints, with real consequences, and with ROI we can actually measure?”.

That shift matters because AI is moving from advice to action. In early deployments, mistakes were mostly annoying—wrong summaries, weak drafts, bad suggestions. In operational deployments, mistakes can become expensive, non-compliant, or reputation-damaging. The failure model changes, so the product requirements change too.

The new differentiator is operationality: how deeply AI is embedded into workflows that truly execute work. The most valuable AI products aren’t just chat interfaces—they’re systems that reduce coordination overhead, connect to existing tools, and reliably turn intent into multi-step outcomes.

This is why orchestration is booming. Instead of ripping out CRM, email, project tools, or finance systems, orchestration layers sit on…

🔗https://shre.ink/Microsoft-Global-AI-Adoption-2025

1. Executive Summary

In H2 2025, Microsoft estimates global “AI diffusion” (share of people using a gen-AI product) rose +1.2pp to 16.3% worldwide—about one in six people. Growth continues, but it’s not evenly distributed: adoption in the Global North reached 24.7% of working-age people, versus 14.1% in the Global South, widening the gap (from 9.8pp to 10.6pp).

The report argues the divide reflects differences in infrastructure, policy execution, skills, and product access. High-income countries keep accelerating, while many lower-income markets progress more slowly unless access barriers are reduced (e.g., via free tools or open-source distribution).

2. Changes in the second half of 2025

H2 2025 shows record usage growth, but the composition of that growth matters: all top 10 countries by adoption increase are high-income economies. This indicates that the “easy acceleration” is happening where citizens already have strong digital habits and where institutions can integrate AI into work and services quickly.

1. DeepSeek has gained momentum in Emerging Market

2. Despite some limitations, a free-source model attracts many companies

3. China also offers much cheaper energy cost than US

4. This results from long-term energy production investments

5. Despite enormous amount of US investments, my opinion is that Data Centers in some sense lacks gain of scale (each question to answer is different)

FULL STORY OF DEEP SEEK: