FICO Says Businesses Need to Explain Their AI Decisions

The discussion around explainable AI, particularly from FICO's Nikhil Behl, points to a significant challenge for Asian enterprises adopting AI: the gap between AI models and accountable business decisions. Many companies in the region are rapidly deploying AI, but often without the necessary "decision layer" infrastructure that connects data, models, and business rules. This oversight can lead to opaque decision-making, which carries substantial regulatory and reputational risks, especially in highly regulated sectors like finance and insurance prevalent across Asia. The core issue is not just about AI's technical capabilities, but about process intelligence, as Genpact's CEO Balkrishan Kalra notes. For Asian firms, this means that simply investing in AI models is insufficient; the real value comes from redesigning operational processes to ensure transparency and accountability. The finding that 85% of leaders face debt in technology, data, process, and talent underscores that many Asian companies may be struggling to translate AI investments into tangible, governed outcomes.