Business-case practice library32
DiscoverSTR-01
Business objective and decision
Define the insurance workflow, population, desired outcome, sponsor, and funding or scale decision.
PilotSTR-02
Current-state baseline
Measure current volume, time, cost, quality, insurance outcome, customer result, and variation before change.
ScaleSTR-03
Counterfactual and comparison
Define what would happen without the investment and how incremental performance will be isolated.
OperateSTR-04
Value hypothesis and guardrails
Connect AI capability to workflow change, measurable outcome, financial value, and non-negotiable limits.
DiscoverBEN-01
Capacity value
Quantify eligible work, time released, adoption, retained review, loaded cost, and the approved use of capacity.
PilotBEN-02
Loss and expense improvement
Measure attributable changes in loss cost, leakage, severity, legal, medical, adjusting, or vendor expense.
ScaleBEN-03
Revenue retention and experience
Measure incremental premium, conversion, retention, or service value without double counting correlated effects.
OperateBEN-04
Recovery and risk avoidance
Value incremental recoveries or probability-weighted avoided loss using documented evidence and limits.
DiscoverCST-01
Initial technology and integration
Include software, infrastructure, data, security, interfaces, testing, migration, and implementation services.
PilotCST-02
Internal delivery and change
Include business, product, actuarial, legal, risk, engineering, training, communications, and backfill effort.
ScaleCST-03
Recurring operations
Include licenses, usage, data, support, monitoring, evaluation, human review, incidents, and vendor oversight.
OperateCST-04
Exit replacement and residual cost
Estimate termination, migration, export, retraining, parallel operation, contractual minimums, and stranded assets.
DiscoverRSK-01
Adoption and realization risk
Adjust for workflow fit, sustained use, exceptions, learning curves, and capacity redeployment.
PilotRSK-02
Delivery and cost risk
Model schedule, integration, data, vendor, security, and change contingencies explicitly.
ScaleRSK-03
Outcome confidence
Use evidence quality, sample size, causal strength, uncertainty, and external validity to define benefit ranges.
OperateRSK-04
Risk-adjusted value
Reduce benefits or add expected loss for material consumer, legal, model, operational, security, and reputation risks.
DiscoverFIN-01
Cash-flow model
Model implementation timing, benefit ramp, recurring cost, and annual net cash flow.
PilotFIN-02
Discounted value and return
Calculate NPV, ROI, benefit-cost ratio, payback, and ranges using finance-approved conventions.
ScaleFIN-03
Funding and stage gates
Release funding against discovery, pilot, production, adoption, and value evidence.
OperateFIN-04
Portfolio comparison
Rank use cases using fit, risk, evidence, feasibility, time to value, net value, and execution capacity.
DiscoverPIL-01
Pilot success criteria
Define operational, financial, quality, fairness, safety, and oversight thresholds before launch.
PilotPIL-02
Measurement design
Select a randomized, phased, matched, time-series, shadow, or other credible comparison.
ScalePIL-03
Attribution and double-counting
Connect each benefit to one measured driver and reconcile overlapping value effects.
OperatePIL-04
Scale decision
Use pilot evidence, remaining uncertainty, readiness, controls, and revised economics to decide.
DiscoverOPS-01
Benefit owner and action plan
Assign each benefit to an executive owner with actions, milestones, evidence, and authority.
PilotOPS-02
Capacity redeployment
Specify how released time changes throughput, backlog, service, overtime, vendors, staffing, or expert work.
ScaleOPS-03
Production KPI integration
Measure value with quality, consumer, fairness, reliability, security, review, and adoption indicators.
OperateOPS-04
Change and value reforecast
Reforecast after material changes to data, models, prompts, vendors, workflow, volume, regulation, or conditions.
DiscoverGOV-01
Executive reporting
Report actual versus forecast value, adoption, quality, risk, cash, milestones, and decisions required.
PilotGOV-02
Assumption and evidence governance
Maintain definitions, sources, owners, dates, confidence, approvals, and version history.
ScaleGOV-03
Independent challenge
Require finance, actuarial, risk, compliance, validation, and business review proportionate to consequence.
OperateGOV-04
Closure and lessons learned
Confirm realized value, remaining obligations, residual risk, reusable assets, and lessons when scaling, stopping, or retiring.