Explainer Collection

AI Adoption

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Hitzig (2026)

Coding agents make a software background optional, but expertise still decides who succeeds

An analysis of roughly 400,000 Claude Code sessions finds a clear split of labour: people decide what to build, the agent decides how. Command of a domain, not the ability to write code, is what makes sessions succeed.

70%
of planning decisions ('what to do') are made by the person, while Claude makes about 80% of execution decisions
Expert-rated sessions reach verified success more than twice as often as novice-rated ones
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Cambridge CCAF (2026)

Finance has gone all-in on AI, but the supervisors watching it have not

A 628-organisation, 151-jurisdiction survey finds 81% of financial firms now using AI, while regulators trail on adoption, data collection and the supervisory tools needed to keep up.

81%
of surveyed financial firms are adopting AI at some level, but only 14% see it as transformational to strategy
40% vs 20%
share of industry vs regulators reporting advanced AI adoption (Scaling or Transforming)

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