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How to turn AI capability into competitive advantage

Cathy Bessant, Bank of America, 2019
"We can't let AI generate the playbook. It's about being in front of it, not being pushed by it," former Bank of America Chief Operations and Technology Officer Cathy Bessant said at MetLife's annual inclusion in STEM conference, Triangle Tech X (TTX).
Wes Bruer/Bloomberg

Over the last 12 months, artificial intelligence (AI) moved from pilot to production. It stopped being a futuristic idea and became an operational reality, reshaping how organizations make decisions, serve customers and create value. But as AI scales across industries, one truth has become clear: technology alone doesn't drive transformation. Leadership does.

The next era of change will separate the early adopters from the true performers. Organizations that move beyond automation will be rewarded—those that treat AI not only as an efficiency tool, but as a performance engine that amplifies strategy, accelerates execution and expands human potential.

In my recent conversations with global technology leaders, three themes emerged that will define how businesses turn AI capability into competitive advantage next year.

Strategy will overtake experimentation

The AI adoption curve is flattening. As technology becomes more accessible, competitive advantage will come from strategic alignment, not experimentation.

During our discussion at MetLife's annual inclusion in STEM conference, Triangle Tech X (TTX), former Bank of America Chief Operations and Technology Officer Cathy Bessant put it plainly: "We can't let AI generate the playbook. It's about being in front of it, not being pushed by it."

That distinction captures the shift businesses will make. Leaders are moving away from chasing the next tool and are instead intentionally orchestrating AI portfolios engineered to advance their growth and resilience ambitions.

Rather than launching isolated pilots or chasing proofs of concept, the strongest companies will integrate AI into enterprise roadmaps and long-term investment plans. They will link initiatives to measurable business outcomes, from profitability and customer satisfaction to operational stability and risk reduction. AI will no longer be something discussed in innovation labs, it will become a board-level performance strategy.

The experimentation phase served a purpose. But the organizations that pull ahead next year and beyond will be the ones that focus on where AI truly advances business goals while avoiding the distractions that don't deliver value.

Discipline will redefine speed

Over the past two years, conversations about AI centered on speed: how quickly models could be deployed and how fast organizations could scale. Now, the conversation will mature. The focus will shift from building fast to building for impact.

During a Fortune CIO roundtable I joined last fall, leaders across industries described a clear evolution. Many are adopting hybrid operating models that combine centralized governance with decentralized innovation. They want teams to move quickly, but they also want shared guardrails that ensure consistency, compliance and responsible design.

Increasingly, companies are adopting secure, enterprise-level "AI operating systems"—shared environments that allow for experimentation without sacrificing standards. These models create conditions for agility, while ensuring that data privacy, fairness, transparency and explainability remain non-negotiable.

Discipline will also reshape how organizations measure speed. CIOs are realizing that velocity alone doesn't guarantee value. In the year ahead, success will depend on how effectively AI performs at scale, not on how quickly it was built. Leaders will demand clear ownership, defined ROI expectations and transparent performance analytics before any initiative moves beyond testing.

The result is a more resilient form of acceleration, one that prioritizes precision, accountability and long-term business impact.

Human advantage will drive enterprise value

As AI becomes ubiquitous, the differentiator will shift back to human application. Access to intelligence is no longer scarce. What matters now is how leaders and teams use it.

Zack Kass, global AI advisor and former head of go-to-market at OpenAI, described a coming era of "unmetered intelligence," where AI becomes abundant and the advantage moves entirely to human capability. His point was clear: when everyone has access to similar tools, the organizations that win will be the ones that elevate human judgment, creativity and purpose.

This shift has implications that extend far beyond efficiency. Companies will reinvest in workforce agility, equipping teams to think both critically and computationally. They will redesign jobs around the strengths humans bring to complex problem-solving—context, ethics, nuance and the ability to make meaning out of change.

Empathy will also become a defining performance factor. Customers aren't just choosing solutions based on speed or accuracy; they are choosing experiences that feel human, empathetic and emotionally supportive. This is especially true in industries like insurance, where people may feel stressed or uncertain. In those moments, customers aren't simply buying a product, they're buying confidence, clarity and support. AI can enhance those interactions, but the trust customers place in an organization stems from human leadership and genuine connection.

Performance will increasingly be measured not by task automation but by decision quality and customer trust. The organizations that combine human insight with machine precision will create higher-order value that technology alone cannot deliver.

The performance era begins

The automation era optimized efficiency. The human and AI era will optimize performance.

To date, AI has mostly been used to automate processes—making workflows faster, cheaper and more efficient. It improves how work gets done, not how thinking happens. The shift now is about augmenting our minds (helping us think better) and amplifying human cognition itself—helping to spark creativity, a thinking partner. As a result, the next era of change will define how enterprises convert technology into results. Leaders who align AI to strategy, operationalize it with discipline and empower people to lead alongside it will turn intelligence into impact and potential into performance.

Over the next several months, one thing is certain: the future won't be built by algorithms alone. It will be built by the leaders who know how to leverage them.


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