Intelligence

AI agents no longer merely recommend purchases — they are beginning to select merchants, conclude transactions and pay, within mandates their users define in advance. For Swiss banks and fintechs, this shifts the legal question from whether an institution may deploy an autonomous agent to whether a customer can validly authorise today a payment whose amount, counterparty and timing will only be determined tomorrow. The payment mandate, not the individual payment instruction, becomes the decisive legal control point.

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Les outils d’intelligence artificielle (IA) sont de plus en plus utilisés dans le cadre des enquêtes internes menées par les entreprises. L’IA accélère la revue des documents, détecte des schémas, extrait les informations pertinentes et génère rapidement des comptes rendus d’entretiens structurés. Ces gains sont particulièrement importants dans les enquêtes complexes et multi juridictionnelles.

Künstliche Intelligenz (KI) wird zunehmend bei unterneh mensinternen Untersuchungen eingesetzt. KI beschleu nigt die Dokumentenanalyse, erkennt Muster in grossen Datenmengen, extrahiert relevante Informationen und erstellt strukturierte Gesprächsprotokolle. Diese Vorteile sind insbesondere bei komplexen, grenzüberschreitenden Untersuchungen mit umfangreichen Datenbeständen von erheblicher Bedeutung.

Your medical-device programme appears to be progressing. Regulatory and Quality are advancing the pathway. Product is moving forward. Commercial teams are preparing for customers. Management has a launch date. And still, one unresolved AI, data or cybersecurity issue can affect the next milestone. This is particularly dangerous because the problem is often not visible within any single workstream. It sits between them.

A fundamental mistake in MedTech is to treat AI as another software project. It is not. An AI-enabled medical product can involve product safety, clinical performance, quality management, data protection, cybersecurity and AI regulation at the same time.