{"id":"https://openalex.org/W7225610971","doi":"https://doi.org/10.5281/zenodo.24082478","title":"AI That Compounds: Why Financial Institutions Need a Governed Learning Foundation, Not More Point Solutions","display_name":"AI That Compounds: Why Financial Institutions Need a Governed Learning Foundation, Not More Point Solutions","publication_year":2026,"publication_date":"2026-11-09","ids":{"openalex":"https://openalex.org/W7225610971","doi":"https://doi.org/10.5281/zenodo.24082478"},"language":"en","primary_location":{"id":"doi:10.5281/zenodo.24082478","doi":"https://doi.org/10.5281/zenodo.24082478","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24082478","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Preprint"},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.5281/zenodo.24082478","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5111409738","display_name":"James Donahue","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Donahue, James (Jamie)","raw_affiliation_strings":["SmarterFI"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"SmarterFI","institution_ids":[]}]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5111409738"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.6015999913215637,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.6015999913215637,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13904","display_name":"Artificial Intelligence Applications","score":0.22939999401569366,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10883","display_name":"Ethics and Social Impacts of AI","score":0.03689999878406525,"subfield":{"id":"https://openalex.org/subfields/1702","display_name":"Artificial Intelligence"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/ai-governance","display_name":"AI governance","score":0.8960000276565552},{"id":"https://openalex.org/keywords/financial-institutions","display_name":"financial institutions","score":0.828000009059906},{"id":"https://openalex.org/keywords/model-risk","display_name":"model risk","score":0.4869999885559082},{"id":"https://openalex.org/keywords/third-party-risk","display_name":"third-party risk","score":0.6190000176429749},{"id":"https://openalex.org/keywords/large-language-models","display_name":"large language models","score":0.7960000038146973},{"id":"https://openalex.org/keywords/quantitative-model","display_name":"quantitative model","score":0.5799999833106995},{"id":"https://openalex.org/keywords/audit-trail","display_name":"audit trail","score":0.7889999747276306},{"id":"https://openalex.org/keywords/ai-adoption-roadmap","display_name":"AI adoption roadmap","score":0.6349999904632568}],"concepts":[{"id":"https://openalex.org/C2780510313","wikidata":"https://www.wikidata.org/wiki/Q178706","display_name":"Institution","level":2,"score":0.6830000281333923},{"id":"https://openalex.org/C2164484","wikidata":"https://www.wikidata.org/wiki/Q5170150","display_name":"Core (optical fiber)","level":2,"score":0.6255999803543091},{"id":"https://openalex.org/C2779601481","wikidata":"https://www.wikidata.org/wiki/Q650241","display_name":"Financial institution","level":2,"score":0.6007999777793884},{"id":"https://openalex.org/C39389867","wikidata":"https://www.wikidata.org/wiki/Q380767","display_name":"Corporate governance","level":2,"score":0.5353000164031982},{"id":"https://openalex.org/C28719098","wikidata":"https://www.wikidata.org/wiki/Q44946","display_name":"Point (geometry)","level":2,"score":0.5},{"id":"https://openalex.org/C199521495","wikidata":"https://www.wikidata.org/wiki/Q181487","display_name":"Audit","level":2,"score":0.4997999966144562},{"id":"https://openalex.org/C85502023","wikidata":"https://www.wikidata.org/wiki/Q157171","display_name":"Renting","level":2,"score":0.47360000014305115},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.45489999651908875},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.4481000006198883},{"id":"https://openalex.org/C2777710495","wikidata":"https://www.wikidata.org/wiki/Q5527195","display_name":"Gateway (web page)","level":2,"score":0.3797000050544739},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.36899998784065247},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.3337000012397766},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.3278999924659729},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.31520000100135803},{"id":"https://openalex.org/C2909264111","wikidata":"https://www.wikidata.org/wiki/Q740419","display_name":"Financial Audit","level":3,"score":0.30570000410079956},{"id":"https://openalex.org/C2775924081","wikidata":"https://www.wikidata.org/wiki/Q55608371","display_name":"Control (management)","level":2,"score":0.2863999903202057},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.28119999170303345},{"id":"https://openalex.org/C23925645","wikidata":"https://www.wikidata.org/wiki/Q5449731","display_name":"Financial modeling","level":2,"score":0.2736000120639801},{"id":"https://openalex.org/C26517878","wikidata":"https://www.wikidata.org/wiki/Q228039","display_name":"Key (lock)","level":2,"score":0.2711000144481659},{"id":"https://openalex.org/C2776007630","wikidata":"https://www.wikidata.org/wiki/Q2798912","display_name":"Accountability","level":2,"score":0.2522999942302704},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.2500999867916107}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5281/zenodo.24082478","doi":"https://doi.org/10.5281/zenodo.24082478","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24082478","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Preprint"},{"id":"doi:10.5281/zenodo.24082479","doi":"https://doi.org/10.5281/zenodo.24082479","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24082479","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Preprint"}],"best_oa_location":{"id":"doi:10.5281/zenodo.24082478","doi":"https://doi.org/10.5281/zenodo.24082478","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.24082478","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Preprint"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":2,"referenced_works":["https://openalex.org/W7225104701","https://openalex.org/W7225122269"],"related_works":["https://openalex.org/W7160360834","https://openalex.org/W7204807947","https://openalex.org/W4410449624","https://openalex.org/W7154907148","https://openalex.org/W7162497340","https://openalex.org/W4411378974","https://openalex.org/W7225240122","https://openalex.org/W7215109470","https://openalex.org/W7121014518","https://openalex.org/W7166889513"],"abstract_inverted_index":{"Most":[0],"AI":[1],"in":[2,79],"financial":[3],"services":[4],"arrives":[5],"as":[6],"point":[7],"solutions":[8],"sold":[9],"on":[10,99],"efficiency.":[11],"They":[12],"do":[13],"not":[14,34],"compound,":[15],"they":[16,26],"copy":[17],"institution":[18,29],"data":[19,48],"and":[20,25,64,70,107,110,115],"split":[21],"governance":[22],"across":[23],"vendors,":[24],"leave":[27],"the":[28],"renting":[30],"intelligence":[31],"it":[32,103],"does":[33],"own.":[35],"This":[36],"white":[37],"paper":[38],"argues":[39],"for":[40,118],"a":[41,60,65,76,112],"single":[42],"shared,":[43],"governed":[44,77],"learning":[45],"foundation:":[46],"mapped":[47],"from":[49],"live":[50],"core":[51],"connections,":[52],"three":[53],"model":[54,63],"layers":[55],"(a":[56],"large":[57],"quantitative":[58],"model,":[59],"banking":[61,94],"behaviour":[62],"language":[66],"model),":[67],"one":[68,71],"gateway":[69],"write-once":[72],"audit":[73],"trail,":[74],"with":[75],"loop":[78],"which":[80],"outcomes":[81],"improve":[82],"each":[83],"institution's":[84],"own":[85],"models.":[86],"It":[87],"describes":[88],"how":[89,102],"SmarterFI,":[90],"connected":[91],"to":[92],"13":[93],"cores":[95],"today,":[96],"was":[97],"built":[98],"this":[100],"foundation,":[101],"fits":[104],"current":[105],"model-risk":[106],"third-party":[108],"guidance,":[109],"offers":[111],"five-step":[113],"roadmap":[114],"board":[116],"questions":[117],"institutions":[119],"getting":[120],"started.":[121]},"counts_by_year":[],"updated_date":"2026-11-11T12:16:26.678958","created_date":"2026-11-10T00:00:00"}
