OCTOBER 1, 2026
InstituteThe AI fact base
The AI fact base
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Our mission: give the leaders of SMBs and mid-market companies a fact base, clear pointers, and real cases to decide on their AI — and move from ambition to execution.
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The Daily Nugget
One notable AI fact, decoded every business day.
SEPTEMBER 30, 2026
The number — 66% of AI users act on its answers without checking them, and 56% have already made a mistake because of it
THE NUMBERSEPTEMBER 28, 2026
What would you have done? Duolingo went “AI-first” and graded staff on their AI use — a year later, it reversed course
WHAT WOULD YOU DO?SEPTEMBER 25, 2026
The week in brief — AI's real barrier is never the technology, it's trust and what you do with it
THE ESSENTIALSSEPTEMBER 24, 2026
Reflection — Your biggest AI risk isn't the tool you pick, it's the one your teams use without telling you
REFLECTIONSEPTEMBER 23, 2026
The number: in agentic AI, the first barrier to scaling isn't technology, it's trust
THE NUMBERFeatured
The analysis to read first this week.
FOUNDER · EVERY WEDNESDAYFEATURED
A ten-person firm goes deep on AI as often as a five-thousand-person one.
A ten-person firm goes deep on AI as often as a five-thousand-person one.
More featured articles
ANALYSISFINANCIAL SERVICES
AI in Financial Services: Giant Rollouts, Proof by the Dropperful
Finance deploys AI more than any other sector (92% of EU banks, 200,000 employees equipped at a single bank), yet only 4 banks in 50 prove their ROI. Three decision regimes, four fault lines, and a decision tree for where to start.
ANALYSISINSURANCE
AI in Insurance: Record Adoption, Lagging Industrialization
Insurance is the economy's most AI-equipped sector — yet only 10% of insurers have industrialized it, while catastrophe losses top $100bn for the sixth year. Six use-case families, four breaking points, five 90-day decisions.
FOUNDER · EVERY WEDNESDAY
"We use AI" has stopped meaning anything.
ANALYSISTRANSPORT & LOGISTICS
AI in Transport & Logistics: Half the Adoption, Twice the Pressure
Transport uses AI half as much as the average economy, while failures and the driver shortage squeeze the sector. Six documented use-case families and five 90-day decisions to join the first movers.
FOUNDER · EVERY WEDNESDAY
Your first AI project is smaller than you think.
Siparex and Bpifrance documented twenty completed AI projects in French SMEs and mid-market companies: 70% cost between 15,000 and 100,000 euros and 80% shipped in under six months. The Aldes case: 40,000 euros, five months.
ANALYSISRETAIL & DISTRIBUTION
AI in Retail: The Customer Has Already Switched
A third of customers already shop with AI; 13% of retailers use it. Six documented use-case families and five 90-day decisions to join the 26% that scale.
FOUNDER · EVERY WEDNESDAY
AI drafts. You sign.
AI drafts faster, but speed is not accuracy. The lesson from Ashurst: where a signature commits you, review is not overhead, it is the product.
FOUNDER · EVERY WEDNESDAY
Your teams are already using AI. Without you.
Your teams are already using AI, with or without you. The lesson from BBVA: you don't control enthusiasm, you channel it. Two rules, a sharing ritual, and something better than the free tool.
Explore the Institute
Four ways into the fact base.
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Lessons and convictions from the field.
Analyses
Where a sector stands on AI.
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Definitions, methods and key figures.
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The daily brief: one fact, one source, one implication.
Arnaud's note
The weekly note from Arnaud Quintin, founder of YPrtnrs: one case, one lesson, one live project.
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All our publications, most recent first.
ANALYSISFINANCIAL SERVICES
AI in Financial Services: Giant Rollouts, Proof by the Dropperful
Finance deploys AI more than any other sector (92% of EU banks, 200,000 employees equipped at a single bank), yet only 4 banks in 50 prove their ROI. Three decision regimes, four fault lines, and a decision tree for where to start.
FOUNDER · EVERY WEDNESDAY
A ten-person firm goes deep on AI as often as a five-thousand-person one.
A ten-person firm goes deep on AI as often as a five-thousand-person one.
ANALYSISINSURANCE
AI in Insurance: Record Adoption, Lagging Industrialization
Insurance is the economy's most AI-equipped sector — yet only 10% of insurers have industrialized it, while catastrophe losses top $100bn for the sixth year. Six use-case families, four breaking points, five 90-day decisions.
FOUNDER · EVERY WEDNESDAY
"We use AI" has stopped meaning anything.
ANALYSISTRANSPORT & LOGISTICS
AI in Transport & Logistics: Half the Adoption, Twice the Pressure
Transport uses AI half as much as the average economy, while failures and the driver shortage squeeze the sector. Six documented use-case families and five 90-day decisions to join the first movers.
FOUNDER · EVERY WEDNESDAY
Your first AI project is smaller than you think.
Siparex and Bpifrance documented twenty completed AI projects in French SMEs and mid-market companies: 70% cost between 15,000 and 100,000 euros and 80% shipped in under six months. The Aldes case: 40,000 euros, five months.
ANALYSISRETAIL & DISTRIBUTION
AI in Retail: The Customer Has Already Switched
A third of customers already shop with AI; 13% of retailers use it. Six documented use-case families and five 90-day decisions to join the 26% that scale.
FOUNDER · EVERY WEDNESDAY
AI drafts. You sign.
AI drafts faster, but speed is not accuracy. The lesson from Ashurst: where a signature commits you, review is not overhead, it is the product.
FOUNDER · EVERY WEDNESDAY
Your teams are already using AI. Without you.
Your teams are already using AI, with or without you. The lesson from BBVA: you don't control enthusiasm, you channel it. Two rules, a sharing ritual, and something better than the free tool.
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Read-only snapshot of the Institute's published content as of 2026-10-05.