February 2026
AI FinEdge Digest
Unpacking the trends shaping tomorrow’s financial enterprise through the power of AI.
As the financial services ecosystem evolves at unprecedented speed, AI-powered decisioning is becoming the cornerstone of competitive advantage. In this issue, we bring you Fractal’s most compelling stories and perspectives from across banking, insurance, and finance, designed to inspire, inform, and empower your transformation journey.
EXCLUSIVE PODCAST
From Unstructured Data to Member Value
Generative AI isn’t just another tech wave for financial services; it’s a defining moment, especially for property and casualty insurance. In this candid conversation, Pranay Agrawal, CEO of Fractal, and Ramnik Bajaj, CDAO at USAA, unpack why P&C is still heavily dependent on messy, unstructured data like police reports and first notice of loss, and stands at the edge of massive transformation. As AI accelerates both technology and business change, they explore what’s real, what’s hype, and how insurers can move fast without breaking trust. If you’re navigating the ambition–anxiety tension around AI, this is a conversation you won’t want to miss.
INSIGHTS
Retrieval-Augmented Generation (RAG) in Azure ML for insurance
Insurance enterprises manage vast volumes of policy documents, endorsements, and claims records. Retrieving accurate and up-to-date policy information from these repositories is often slow and error-prone, impacting customer support, claims processing, and underwriting decisions.
Retrieval-Augmented Generation (RAG) addresses this challenge by combining semantic search with large language models (LLMs). Built using Azure Machine Learning, our RAG solution enables insurance teams to access precise, context-aware answers in real time, without manual document searches.
Listening at scale: How AI-driven conversational intelligence is redefining enterprise CX
A conversational intelligence platform uses AI and large language models (LLMs) to analyze voice and chat interactions at enterprise scale, converting unstructured conversations into real-time, actionable customer experience insights while maintaining privacy, security, and governance.
Conversational intelligence platforms move beyond transcription and keyword spotting. They interpret context, intent, sentiment, and root cause, enabling enterprises to connect customer conversations directly to operational and business decisions.
Decision-grade intake: Why underwriting bottlenecks start before risk evaluation
Underwriting is the engine of commercial insurance. It’s where expertise, judgment, and institutional knowledge come together to evaluate risk and drive profitable growth. Yet across the industry today, underwriters spend far less time underwriting than they should.
Instead, they’re buried upstream, untangling messy submissions, reconciling conflicting data, and chasing missing information before they can even begin assessing risk.
The real constraint isn’t underwriting talent or risk complexity. It’s decision uncertainty created during intake.
Contributors
