AI'S VALUE CAPTURE PROBLEM
Imagine an AI claims assistant watching every override an insurer makes. It does not just learn policy text. It learns when the company bends the rule for a broker, when a fraud pattern gets escalated, which underwriter gets trusted, and which ugly edge cases become paid claims. That is the enterprise AI value-capture problem here. The most sensitive company knowledge may live in exception logs and decision traces, not PDFs. For founders selling AI into serious workflows, customer-owned memory, audit trails, and training controls are not compliance garnish.