The SCHUFA judgment: when a score becomes a decision
Europe’s highest court held that a third party’s credit score can itself be an automated decision when a lender relies on it decisively. The reasoning reaches well beyond credit.
4 min read
AI Insights
Documented AI programs and incidents, read for the management lesson.
Documented AI programs and incidents, from Deloitte, Klarna and JPMorgan to Replit, Rite Aid, Samsung and Duolingo, each read for the management lesson and the control that would have changed the outcome.
Start with the guide: AI governance for managers.
Europe’s highest court held that a third party’s credit score can itself be an automated decision when a lender relies on it decisively. The reasoning reaches well beyond credit.
4 min read
A lawsuit against the vendor of an AI screening system, rather than the employers using it, has already changed what careful buyers put in their contracts.
4 min read
In March a Rome court accepted OpenAI’s challenge to a 15 million euro privacy fine. Read both halves of the story: regulators examine how models are trained, and their findings can be contested.
4 min read
The FTC’s 2023 case against a pharmacy chain is still the clearest statement of what a regulator expects before a biometric AI system touches customers.
4 min read
From 60,000 users in 2024 to about 250,000 in 2025: three design choices made the growth possible, and none of them was the choice of model.
4 min read
A chatbot that invented a refund policy, a legal brief with six cases that did not exist, and a hiring model that learned the past. Each failure had a known fix.
4 min read
Banning public chatbots after a leak is the instinctive response. The evidence on how people really use AI at work points to a better one.
4 min read
In 2024 the assistant did the work of 700 agents. In 2025 the company hired people back. The model was never the variable that changed.
4 min read
A government report with fabricated references cost a global consultancy part of its fee. The lesson for every buyer of professional services is contractual, not technical.
5 min read
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