Knowledge Hub

For decades, a payslip was a payslip. A PDF bank statement, a P60, a letter from an employer on headed paper: these were treated as reliable proxies for real financial events because forging them convincingly took skill, time and access most applicants didn’t have. That assumption underpins most mortgage underwriting…

The photo used to be the proof For as long as insurers have processed claims, the photograph has done a specific job: it stood in for the event itself. A cracked windscreen, a flooded kitchen, a dented bumper. The image was submitted, a handler looked at it, and in most…

The proxy that stopped being reliable For decades, a photograph, a screenshot or a signed document did useful work in a courtroom without anyone having to argue about it. It stood in for the event it depicted. A text message thread was treated as a record of what was said.…

The document used to be the proof For as long as referencing has existed, a payslip meant something. A bank statement, a reference letter, a passport scan: these were treated as reliable proxies for the facts they represented. If the numbers matched and the format looked right, the underlying reality…

The question we hear most often “How does AI fit into decision workflows?”“What happens if it makes an incorrect judgement?” These questions come up in almost every conversation with operations leaders, risk teams and decision owners. They are valid concerns. They reflect accountability, governance and the need for control. But…