AI transformation: overhyped vs underestimated from copilots to cash flow – creating value through AI, data, tech & innovation

AI dominates the narrative in financial services, and the market is mispricing where value actually accrues.

AI is moving from experimentation into embedded EBITDA, with data liberation as the foundation for scalable AI and platforms moving from selling software to delivering outcomes and labor. For investors the implication is sharp: AI will not impact all software equally, and platforms with proprietary data, workflow ownership, and network effects are positioned to capture disproportionate value, including a potential 10x expansion in addressable market as software moves into workforce strategy.