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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ANALYSISFINANCIAL SERVICES
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.
How to calculate the ROI of an AI project: the method, the gains to count, the costs to include, and how to prove it to your executive committee.
AUGUST 7, 2026
56% of 4,454 CEOs report no measurable financial gain from AI (PwC, January 2026): ROI is decided in the contract and the boardroom, not in the model.
ANALYSISMANUFACTURING
Yes — but not everywhere: value concentrates in six use-case families, and it goes to the leaders who run AI as an industrial investment, from a measured baseline cost to a decision on a fixed date.
REFERENCE
The license price is not the project cost: setup, change management, and operations add up. Data and adoption — the two invisible costs — often outweigh the license.
PERSPECTIVE
AI is not what gets bought: what gets bought is the resolution of a named problem, on owned data, toward a measured result. Three decisions belong to the leader before any purchase — the problem, the data, the measure of success.
REFERENCE
The ROI of an AI project is not measured at the end: it is made calculable at the outset. An honest total cost (three components), a net gain read in the books, two horizons — 12 and 24 months. AI pays off for those who know what it replaces.
REFERENCE
Buying means renting a proven capability; building means funding an asset and its upkeep. For most SMBs and mid-market companies: buy and integrate — custom development is only justified by a proprietary advantage worth protecting.
ANALYSISHEALTHCARE
The AI that works in hospitals does not replace caregivers: it gives them time back — documentation, coding, flow, safety — provided it is run as an investment, from ready data to a decision on a fixed date.
ANALYSISPROFESSIONAL SERVICES
AI industrializes the first draft and the review — judgment, signature and the client relationship remain the profession. The winners are the firms that run it as an investment, from the usage map to a decision on a fixed date.
One notable AI fact, decoded every business day.
OCTOBER 1, 2026
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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.
More featured articles
ANALYSISFINANCIAL SERVICES
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
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
ANALYSISTRANSPORT & LOGISTICS
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
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
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 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, 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.
Four ways into the fact base.
Lessons and convictions from the field.
Where a sector stands on AI.
Definitions, methods and key figures.
The daily brief: one fact, one source, one implication.
The weekly note from Arnaud Quintin, founder of YPrtnrs: one case, one lesson, one live project.
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ANALYSISFINANCIAL SERVICES
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.
ANALYSISINSURANCE
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
ANALYSISTRANSPORT & LOGISTICS
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
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
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 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, 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.
The information you need to act better and faster.
Read-only snapshot of the Institute's published content as of 2026-10-05.
