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[Sanjay Uppal @Sanjay_Uppal]

AI in 2026 : The Market Shift

Past ~2 months saw a key change : Companies recalibrating spending, narrowing scope, delaying production rollouts, or increasingly questioning ROI.

Sophisticated operators are now asking :
▪️ “𝗦𝗵𝗼𝘄 𝗺𝗲 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝗶𝗼𝗻 𝘃𝗮𝗹𝘂𝗲, 𝗻𝗼𝘁 𝘂𝘀𝗮𝗴𝗲 𝗺𝗲𝘁𝗿𝗶𝗰𝘀.”
▪️ "𝗗𝗼𝗲𝘀 𝗺𝗼𝗿𝗲 𝗔𝗜 𝘂𝘀𝗮𝗴𝗲 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗰𝗮𝗹𝗹𝘆 𝗹𝗲𝗮𝗱 𝘁𝗼 𝗯𝗲𝘁𝘁𝗲𝗿 𝗼𝘂𝘁𝗰𝗼𝗺𝗲𝘀 ?"

The emerging realization :
𝗚𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗻𝗴 𝗶𝗻𝘁𝗲𝗹𝗹𝗶𝗴𝗲𝗻𝗰𝗲 𝗶𝘀 𝗲𝗮𝘀𝗶𝗲𝗿 𝘁𝗵𝗮𝗻 𝗼𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝗮𝗹𝗶𝘇𝗶𝗻𝗴 𝘁𝗿𝘂𝘀𝘁𝗲𝗱 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀.

Especially visible in enterprises that moved beyond experimentation & encountered cost, governance, compliance, or production barriers.

The key distinction :
“𝗥𝗲𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗔𝗜” is not 𝗦𝘁𝗼𝗽𝗽𝗶𝗻𝗴 𝗔𝗜

Enterprises are now moving
FROM broad experimentation
TO production-grade use cases,
i.e., Measurable economics + Governance + Repeatability + Auditability.

𝗧𝗵𝗲 𝗻𝗲𝘅𝘁 𝗽𝗵𝗮𝘀𝗲 𝗼𝗳 𝗔𝗜 𝘄𝗶𝗹𝗹 𝗯𝗲 𝘄𝗼𝗻 𝗯𝘆 𝘁𝗵𝗼𝘀𝗲 𝘄𝗵𝗼 𝗰𝗮𝗻 𝗴𝗼𝘃𝗲𝗿𝗻, 𝗼𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝗮𝗹𝗶𝘇𝗲 & 𝗲𝘃𝗶𝗱𝗲𝗻𝗰𝗲 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻𝘀 𝗮𝘁 𝘀𝗰𝗮𝗹𝗲.

[Sanjay Uppal @Sanjay_Uppal]

AI BUDGET IS MOVING…… TO THE CFO

Two recent events caught my attention :

🚨 @Microsoft cut back on Claude Code use due to costs (token-ticker shock).

🚨 @Uber : AI productivity gains are real but harder to directly connect to business outcomes. (exhausted 2026 AI budget by April)

They're not alone.

Arcast reports :

📍 A staggering 42% of global companies scrapped the majority of their AI initiatives due to failed pilots & wasted contracts, and

📍 70% are actively planning to slash their AI budgets because ROI has severely disappointed.

𝗧𝗛𝗘 𝗘𝗥𝗔 𝗢𝗙 𝗨𝗡𝗖𝗢𝗡𝗦𝗧𝗥𝗔𝗜𝗡𝗘𝗗 𝗔𝗜 𝗘𝗫𝗣𝗘𝗥𝗜𝗠𝗘𝗡𝗧𝗔𝗧𝗜𝗢𝗡 𝗜𝗦 𝗘𝗡𝗗𝗜𝗡𝗚.

It’s no longer about - “𝘏𝘰𝘸 𝘧𝘢𝘴𝘵 𝘤𝘢𝘯 𝘸𝘦 𝘢𝘥𝘰𝘱𝘵 𝘈𝘐 ?”

[Sanjay Uppal @Sanjay_Uppal]

@RayDalio Excellent analysis.

Having navigated through multiple crises over 30+ years, this one feels very different.
Sharing my perspective on the multi-factor stress regime we’re in midst of.

[FinbotsAI @FinbotsAI]

Quantitative Modeling with AI

Demo : CreditX (3:51)
- AI powered credit modeling & decisioning

Develop & deploy bespoke high performance credit models in minutes, not months.

The power of AI, now in your hands !

#Quantum #AI #LQM #RiskManagement

https://t.co/kyzwSs3FW0

[FinbotsAI @FinbotsAI]

CreditX by FinbotsAI

Develop & deploy bespoke high performance credit models in minutes, not months.

The power of quant modeling with AI, now in your hands (03:51 mins)

#creditscore #RiskManagement #ai #ml

https://t.co/kyzwSs3FW0

[FinbotsAI @FinbotsAI]

𝗛𝗼𝘄 𝘄𝗲 𝗻𝗮𝘃𝗶𝗴𝗮𝘁𝗲 𝗵𝗮𝘀 𝗰𝗵𝗮𝗻𝗴𝗲𝗱.
𝗖𝗿𝗲𝗱𝗶𝘁 𝗺𝗼𝗱𝗲𝗹 𝗱𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁 𝗵𝗮𝘀𝗻’𝘁.

CreditX, AI-powered Credit Modelling & Decisioning

⦁ 𝗙𝗮𝘀𝘁𝗲𝗿 ⦁ 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 ⦁ 𝗥𝗲𝗮𝗹-𝘁𝗶𝗺𝗲.

[FinbotsAI @FinbotsAI]

FinbotsAI wins TWO Awards at the Global SME Finance Forum Awards 2024! 🏆🏆
This recognition celebrates our commitment to empowering SMEs & driving innovation in SME finance. Thank you @smefinanceforum for this honor !
#SMEfinance #Innovation #Innovation #AI #SMEFinanceAward

[FinbotsAI @FinbotsAI]

#USA - #CREDITCARDS 2Q-2024 : DELINQUENCIES AT 12 YEAR HIGH

Balances = $1.142 trillion (2Q-2024)

Ave. Debt : Among cardholders with unpaid balances = $6,864 (4Q-2023)

Delinquencies = 10.93% of credit card accounts delinquent 90+ days, the highest since 1Q-2012

[StraitsBridge @StraitsBridge]

Doctored report targets Sri Lankan opposition party with temple looting claim ahead of polls https://t.co/i8VxFLyrEs

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StraitsBridge Times is out!
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Breakingviews - Credit Suisse blunders undermine CEO’s repair job https://t.co/Qd0xRmNF0n

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US judge strikes down Missouri gun law as unconstitutional https://t.co/4n5sa4yiSJ

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StraitsBridge Times is out!
Day's top global business news & insights in one place https://t.co/PXhc4M3wnS StraitsBridge Times is out! @ChinaDailyAsia @MKTWeconomics

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Posts misleadingly link order to monitor govt employees' social media to India's Punjab https://t.co/NojeMS8Jcx

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Unions vow to shut France's economy down amid pension battle https://t.co/zerimo0a4l

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StraitsBridge Times is out!
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In Selma, Biden says right to vote remains under assault https://t.co/mEMpyTbymi

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StraitsBridge Times is out!
Day's top global business news & insights in one place https://t.co/mdK2PqtvI4 StraitsBridge Times is out! @CNBCi @ChinaDailyAsia