Mariane ter Veen
Mariane ter Veen | INNOPAY
Mariane ter Veen
INNOPAY
Richard Ooms
Richard Ooms
Richard Ooms
INNOPAY
Thalia Kühn
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Thalia Kühn
INNOPAY

From AI Experiments To Sustainable Value: Why Data Access Is Key

The topic of artificial intelligence dominates boardroom discussions, yet most organizations are struggling to unlock its full potential. Research by RAND shows that up to 84% of AI projects fail to scale to deliver enterprise-wide impact (RAND, 2024). A recent study from MIT reveals even higher figures, finding that 95% of generative AI initiatives show no measurable impact on profit due to poor integration with existing business processes (MIT, 2025). Similarly, an IBM global study of 2,000 CEOs found that only 25% of AI initiatives have delivered the expected return on investment (ROI) over the last few years, and a mere 16% have scaled across the enterprise (IBM, 2025).

The message is clear: organizations are investing heavily in AI pilot projects, but lack the data access, governance, and integration capabilities needed to move beyond experimentation. In this article, we explain how fintechs, corporates, and public institutions alike can unlock sustainable AI value. 

The Challenge: From Pilot Projects To Enterprise-Wide Impact

Across industries, we see the same patterns:

  • Fragmentation and overlap — separate pilots and disconnected initiatives, often confined to departmental silos.
  • Limited scalability — proof-of-concepts remain stuck in testing phases and fail to deliver enterprise-wide impact.
  • Lack of strategic value — AI is still viewed as an operational tool for efficiency, rather than as a driver of growth and innovation.
  • Insufficient data readiness — organizations underestimate the importance of access to high-quality, governed data and often lack a clear view of the required capabilities.

This fragmented approach is caused by the fact that AI decisions are often decentralized, made at business unit level, and focused on short-term efficiency. Many organizations risk becoming one of the 95% whose AI initiatives fail to create measurable business value.

 

The Triple AI Framework: Your Roadmap To Scalable AI

To overcome these hurdles, INNOPAY has developed the Triple AI Framework: a practical capability model that helps leaders assess organizational readiness to scale AI responsibly. It provides guidance across three interconnected dimensions:

  1. Access — Ensure high-quality, secure data flows throughout the organization and ecosystem. This creates the foundation for trusted AI, reduces compliance risks, creates new opportunities for innovation, and unlocks potential new business models.
  2. Adoption — Build AI literacy and align stakeholders by embedding decision-making and accountability at the right levels. This fosters a culture where AI is trusted, accelerates decision-making, and ensures initiatives don’t get stuck at the pilot stage.
  3. Integration — Embed AI into existing work processes and business models, and create governance at the right levels. This promotes reliability and transforms AI from an isolated experiment into a sustainable driver of efficiency, innovation, and long-term growth.

Access to dependable data is key for successful AI applications. Managing data access is all about lowering the transaction costs of sharing data within the organization or within your ecosystem. It is about making sure you’re in control of who can do what with the data, under what conditions. To be ‘AI ready’, organizations need strong stewardship, not just datasets (Stefaan Verhulst, 2025). In fact, 62% of organizations cite lack of data governance as the primary data challenge inhibiting AI initiatives (LeBow, 2025).

Trustworthy AI requires high-quality data to be findable, accessible, interoperable, and reusable (FAIR) — regardless of whether an organization deploys generative AI or analytical AI. In the case of analytical AI (for predictions, classifications), the challenge is to gather, cleanse, and manage data in a structured way. In the case of generative AI (for creating code, images or text, such as for customer service chatbots or recruitment applications), organizations often expect this to be a simple ‘plug and play’ implementation of an out-of-the-box solution in a specific domain. But they soon find out that scaling and reaping cross-organizational value places high demands on data quality, ownership, and taxonomy too. In both cases, the foundation is the same: data. That’s why ‘Access’ comes first in the Triple AI Framework. It is the enabler of compliance, interoperability, and futureproof AI ecosystems. 

 

Nine Critical Capabilities

To support not only access but also the dimensions of adoption and integration, the Triple AI Framework identifies nine critical capabilities (see Figure 1) that determine whether AI initiatives succeed or stall. 

By assessing maturity across these capabilities, leaders gain a clear picture of where they are strong, where gaps exist, and how to prioritize investments. The result: fragmented pilots are connected into an enterprise-wide AI agenda that supports strategic priorities and creates sustainable impact.

Triple AI Framework
Figure 1: INNOPAY’s Triple AI Framework helps address real-world AI implementation issues and guides organizations towards solutions.

Applying The Triple AI Framework In Practice: Implementing A Service Desk Chatbot

When an insurance company with a strong social brand wanted to implement an AI chatbot in its customer service, the Triple AI Framework served as a maturity assessment tool across the nine key capabilities. This structured evaluation raised critical strategic questions that guided leadership decision-making and implementation planning.

Table 1 shows three examples of how assessing the capabilities enabled the company to diagnose gaps and strengths. This subsequently led to specific organizational actions that helped prioritize investments, governance, and execution steps, moving fragmented pilots into scalable sustainable AI value.

This illustrative use case shows how the Triple AI Framework provides a structured approach for organizations. This transforms AI implementation from fragmented experimentation into a strategic, enterprise-wide effort, and unlocks AI’s full potential as a sustainable driver of growth and innovation.

triple AI model
Table 1: How an insurance company with a strong social brand applied the Triple AI Framework to assess strategic capabilities and actions before deploying a chatbot.

Navigating The Trust Transition

The Triple AI Framework enables leadership teams to navigate their AI integration journey at the right level, helping them to:

  • Align AI initiatives with corporate strategy and KPIs.
  • Prioritize data access and quality across the enterprise.
  • Develop governance structures that ensure ethical and compliant AI.

Equally importantly, it supports them in the ‘trust transition’ (Tony Fish, 2025) that is necessary to ensure that AI adds sustainable value. When exploring the topic of ‘Who really does the thinking when machines makes decisions?’, Tony Fish concludes: “The question isn’t whether we should trust AI systems, but whether we’ve properly mapped the trust transitions we’re asking various stakeholders to make, and whether we have the proper governance frameworks to support those transitions”. The Triple AI Framework addresses this by guiding leadership teams to build and sustain organized trust with all stakeholders alike: employees, partners, customers.

Thanks to highlighting the capabilities needed to ensure access, adoption, and integration, while also building the necessary trust, the framework turns AI from fragmented experiments into a strategic growth engine.

From Data To Impact: Take The First Step

Scaling AI requires more than technology. It demands strategy, governance, and trust. INNOPAY’s Triple AI Framework offers a practical capability model to shape an informed strategic roadmap to accelerate and scale AI responsibly to create business impact.

That’s why we invite you to participate in our Data Access Workshop, where we will:

  • Assess your organization’s AI readiness.
  • Identify gaps in data access, adoption, and integration.
  • Develop a practical roadmap, from pilots to enterprise-wide impact.

Turn your AI investments into sustainable value. Start with data access. 

Data Access Workshop

We warmly invite decision-makers and leadership teams considering AI implementation to register for a complimentary Data Access Workshop. This free offer includes a one-hour online intake session followed by an exclusive two-hour in-house workshop tailored to your organization’s needs. Gain valuable insights through an assessment of your use cases using the Triple AI Framework, and explore strategic questions and actionable solutions around data access.

Arrange a date today by getting in touch with us; we will promptly get in touch to guide you through the next steps.

With our support, take a decisive step toward unlocking sustainable AI value for your enterprise.
 

Arrange a Data Access Workshop