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  • Omio scales travel product development using OpenAI models

    Omio integrates OpenAI models across its engineering operations to accelerate travel product development and launch booking interfaces.

    The multimodal travel platform coordinates operations with over 3,000 transportation providers across 47 countries. Omio explicitly rejects the superficial addition of technology to outdated internal processes. The company’s CTO, Tomas Vocetka, requires all internal functions to completely redesign their operational execution frameworks from the ground up to operate as a native AI enterprise.

    OpenAI Codex integration

    Vocetka initiated the internal deployment by providing base ChatGPT access to the workforce, establishing a baseline familiarity with generative models before executing the primary technical integration.

    Omio subsequently embedded OpenAI Codex directly into its engineering operations, mandating its application across the entire software development lifecycle. Engineers currently apply Codex to preliminary research, architectural planning, active coding, automated testing, code reviews, and ongoing system maintenance.

    The engineering division constructs custom internal connectors to link proprietary data environments directly with these tools. This setup allows developers to bypass basic information retrieval and proceed directly to active task execution within their integrated development environments.

    Vocetka categorises the initial ChatGPT rollout as a preliminary introduction, emphasising that Codex handles the actual production workload. The deployment execution matured beyond the technical divisions. Management actively expands the use of Codex into non-technical corporate functions across the wider organisation. This expansion ensures standard operational procedures adapt to the new capabilities introduced by the engineering team.

    Internal analysis indicates the technical effort required to build specific products now sits at approximately 20 percent of previous levels. Delivery timelines show corresponding compression. Projects demanding the attention of multiple developers over an entire fiscal quarter now require a single engineer operating for roughly one month.

    Faster cycle times allow the engineering teams to test experimental concepts and validate consumer demand with minimal resource expenditure. Management allocates capital and engineering hours with greater precision, relying on prototyping to eliminate unviable features before committing to full-scale production.

    Lowering the time and cost barrier for software creation enables quicker internal decision-making. The technical teams iterate on existing products at a much higher velocity, pushing updates and new interface elements to the live environment at accelerated pace.

    Conversational commerce built on real-time transport data

    Omio launched one of the earliest conversational travel booking interfaces in 2023 by connecting OpenAI models to its proprietary transportation inventory.

    The system processes natural language queries regarding complex multimodal routes. Travelers input natural language requests asking for the fastest route from Rome to Florence, or comparing flights and trains between Paris and Barcelona.

    Omio aggregates services spanning trains, buses, ferries, and flights. Legacy travel booking required users to navigate multiple websites, manually compare modes of transport, and independently aggregate itineraries across multiple providers. Omio replaces this fractured process with a unified interface capable of parsing consumer intent.

    The generative models analyse text inputs and ping the booking systems to construct viable travel paths. The application functions by grounding the model responses in live pricing and availability data. The architecture prevents the generation of travel options based on static or outdated training data. The resulting output provides consumers with directly bookable itineraries.

    Omio expanded its initial integration into a dedicated ChatGPT experience. This dedicated application directly accesses the global transportation network maintained by the company. By grounding the user interaction in verified data, the technical team ensures high-fidelity responses. Consumers receive highly-personalised journey options rather than generic travel advice.

    Omio defines this structural setup as a new category of conversational commerce. The AI operates as the primary interface layer mediating the interaction between the consumer and the underlying global transportation network. The company views this as a broader departure from legacy search-based interfaces toward native generative customer experiences.

    The deployment points to a future where travel planning relies entirely on interacting with intelligent systems connected directly to live transportation networks.

    Omio’s corporate policy explicitly mandates that human personnel retain full accountability for all deployed code and final business outcomes. Generative tools function strictly as acceleration engines for development, analysis, and decision-making.

    “The responsibility and accountability stay with people. AI helps us develop faster, analyse faster, and make decisions faster, but people stay in charge,” explains Vocetka.

    This governance structure prevents automated systems from independently executing irreversible changes to the booking infrastructure or the core multimodal routing algorithms. The combination of broad employee access to OpenAI tools and rigorous oversight models creates an environment prioritising both speed and systemic stability.

    See also: Mitigating vendor lock-in with Sakana AI Fugu multi-agent models

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  • Mitigating vendor lock-in with Sakana AI Fugu multi-agent models

    Sakana AI launched Fugu to orchestrate multi-agent operations and mitigate single-vendor dependency risks in enterprise deployments.

    Enterprises face operational vulnerabilities when relying entirely on monolithic AI APIs. Japanese AI firm Sakana AI designed Fugu as a response to these concentration risks by creating an orchestration language model that calls upon a pool of varied models to complete multi-step tasks.

    Users access this ecosystem through a single OpenAI-compatible endpoint. Fugu routes queries internally, deciding whether to resolve a prompt directly or to assemble a coordinated team of expert models for deeper analysis. The system handles model selection, delegation, verification, and synthesis internally. Engineering teams interact with what appears to be one model while a background system of specialists executes the actual computation.

    Sakana AI targets the geopolitical and regulatory risks associated with AI sourcing. Recent export controls affecting Anthropic models like Fable and Mythos demonstrated that access to specific foundational architectures can vanish based on foreign policy decisions.

    Fugu functions as a hedge against these sudden supply chain disruptions. The platform relies on a completely swappable agent pool. Fugu dynamically routes traffic around any restricted or degraded provider to maintain service continuity. Sakana AI states this capability provides the resilient architecture required for AI sovereignty.

    Fugu deployment tiers

    Two tiers are available to accommodate different operational latency requirements.

    The standard Fugu model prioritises low latency for daily tasks, integrating into standard developer tools like Codex for live coding and code review. Organisations subject to strict data governance or privacy mandates can manually opt specific underlying models out of the standard Fugu routing pool.

    Fugu Ultra targets complex, multi-step analytical problems that demand maximum accuracy. The Ultra variant coordinates a deeper pool of expert agents for intensive tasks such as academic paper reproduction, literature investigations, and patent analysis.

    Sakana AI reports that Fugu Ultra performs competitively against leading closed models like Fable 5 and Mythos Preview across scientific, engineering, and reasoning benchmarks:

    Benchmarks of Sakana AI Fugu standard and Ultra compared to rival frontier models.

    The orchestration method ensures companies can access top-tier computing capabilities without carrying the vendor concentration risk or export control exposure inherent to those closed models.

    Implementation in cybersecurity

    Almost 500 early users tested the system during an extended beta program focused on lengthy, multi-step computational workflows. With cybersecurity such a focus for models like Claude Mythos, engineering teams deployed Fugu Ultra to automate complete security assessment cycles.

    Human operators issued one scoped instruction, and the orchestration engine executed the entire reconnaissance phase. The model successfully conducted cross-site scripting and SQL injection checks alongside thorough authentication reviews.

    A participating cybersecurity engineer confirmed the model stayed strictly within its operational parameters and avoided initiating destructive actions against the target infrastructure. Fugu concluded the automated engagement by generating a clean vulnerability report complete with verifying evidence and exact retest steps for human remediation teams.

    The implementation demonstrated that multi-agent routing maintains strict compliance boundaries while executing complex penetration testing sequences.

    Software development teams also integrated Fugu Ultra into their primary code review pipelines to compare defect detection rates against established monolithic tools. The orchestration engine consistently outperformed baseline models in identifying logic flaws and security vulnerabilities within complex enterprise codebases.

    “For code review, Fugu Ultra is significantly better than GPT-5.5. It gives comprehensive answers and finds the bugs others miss,” reported a software engineer involved in the beta deployment. “Where other tools flag about three issues, Fugu surfaced more than twenty. It’s become the model I run all my reviews through.”

    Automated research and persona stability

    Data science units deployed the system in an almost fully-automated research mode. Fugu Ultra successfully explored mathematical hypotheses, executed experimental code runs, interpreted failure states, and revised its own approaches to sustain progress over extended periods with minimal human intervention. This capability directly addresses the operational limitations of single-call models that require constant human prompting to recover from logic errors.

    Leadership at an unnamed enterprise platform company identified long-term persona stability as a primary advantage during these extended sessions. Conventional monolithic architectures often suffer from context degradation and identity drift when processing extensive conversational histories.

    “Raw output quality is on par with top frontier models, but Fugu showed unusually strong persona stability across long sessions, holding its identity where other models drift,” the executive stated. “For agent products, that may matter more than raw benchmark scores.”

    Extended benchmark validation

    Sakana AI built the internal routing logic upon extensive research into learned model orchestration. The technical foundation for the product stems from findings published in the company’s ICLR 2026 papers, specifically the Trinity and Conductor frameworks.

    These academic foundations allow Fugu to process requests by understanding precisely when a task requires delegation versus direct resolution. The internal language model dictates communication protocols between the individual agents and structures the final synthesis of their separate computational outputs.

    Validation testing against frontier AI competitors covered complex, open-ended disciplines ranging from financial time series prediction to mechanical design. Fugu also demonstrated high proficiency in niche physical logic tests and visual interpretation tasks, including solving the Rubik’s Cube and performing Japanese handwriting analysis. The capacity to excel in both quantitative financial modelling and qualitative image processing confirms the efficacy of the multi-agent orchestration approach.

    Sakana AI designed the system to scale organically as the broader AI hardware and software market matures. Because the product relies entirely on learned orchestration logic rather than fixed operational rulesets, it automatically benefits from third-party innovations. Sakana AI plans to continuously expand the available pool of expert agents.

    The engineering team will fold newly-released open-source tools and proprietary Sakana AI models into the routing pool as they become available. Both the standard Fugu and Fugu Ultra models are available to enterprise clients today.

    See also: SAP and Google Cloud deploy agentic commerce architecture

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  • SAP and Google Cloud deploy agentic commerce architecture

    SAP and Google Cloud are deploying agentic commerce architecture to automate multi-agent marketing and retail operations at enterprise scale.

    SAP research indicates 78 percent of businesses consider AI essential for retaining customers in 2026. However, the same data reveals fewer than two in five companies share customer data across customer experience (37%) or CRM (39%) platforms. 

    Addressing this structural data failure requires direct infrastructure intervention. SAP and Google Cloud expanded their partnership to build an agentic customer experience architecture, connecting data, AI, engagement, and commerce operations.

    The deployment relies on restructuring how AI interacts with backend commercial platforms. Most digital commerce infrastructures rely on fragmented APIs. SAP Commerce Cloud adopts the Universal Commerce Protocol to standardise data exchange among retailers, payment gateways, and autonomous agents. This framework allows software to independently execute the full retail sequence, spanning initial search, transaction processing, and post-sale resolution.

    Deploying the Universal Commerce Protocol

    Engineering teams integrating the Universal Commerce Protocol facilitate direct interactions between intelligent agents and commerce platforms. The standardisation lowers integration costs and accelerates onboarding into AI-driven channels.

    SAP plans to collaborate with Google to ensure merchant products surface organically across the Gemini application and Google Search, specifically incorporating AI Mode functionalities. Consumers interact with these interfaces while the backend architecture processes inventory checks, cart management, and payment processing without requiring retailers to rebuild existing infrastructure.

    SAP Commerce Cloud integrates Google Gemini capabilities to power a designated Shopping Assistant. Brands deploy the assistant directly to their consumers to facilitate chat, voice, and text engagements. State retention remains active throughout the complete shopping cycle. The deployment ingests live behavioural inputs, current warehouse capacities, and active marketing data to assemble distinct merchandise pairings, including full event configurations. By continuously refining recommendations, the application ensures high relevance and strict physical fulfilment capability.

    Enterprise systems often fail when promotional campaigns trigger demand that physical inventory cannot satisfy. Frontend interfaces failing to synchronise with backend warehouse systems frequently halt digital purchases. Users regularly click promotional emails, load the associated mobile application, and face sudden out-of-stock notices during checkout. Fulfilment updates experience severe delays, leaving support agents without a complete operational picture. SAP and Google Cloud engineered their joint solution to correct these specific systemic customer experience failures.

    Instead of managing disconnected points of contact, the architecture unifies the entire sequence. Traditional commercial setups require consumers to repeatedly input previously shared information. Support staff frequently lack access to unified records, preventing them from resolving issues efficiently. The integration targets these operational breakdowns, ensuring the system recognises the user and their precise context instantly across all digital properties.

    Bidirectional data flows

    Marketing execution demands highly accurate data pipelines. SAP Engagement Cloud partners with Google Cloud to formulate an autonomous multi-agent framework. The technical foundation relies on SAP Business Data Cloud Connect for Google BigQuery. The deployment relies on bidirectional, zero-copy data linking secured by strict administrative controls. Leaving vast data stores in place rather than duplicating them drops storage expenses and network latency.

    BigQuery ingests live variables like weather conditions, precise locations, and active advertising interaction rates. SAP Customer Experience solutions supply the internal behavioural context, tracking customer profiles, exact transaction histories, specific service interactions, and consented engagement records. SAP Engagement Cloud activates the combined intelligence, deploying autonomous agents to orchestrate personalised interactions throughout the customer lifecycle.

    Routing information through the Business Data Cloud while BigQuery handles the logic forces immediate inventory synchronisation. The Shopping Assistant actively queries live warehouse records before displaying any product. Software checks physical supply against consumer requests, verifying availability prior to making the suggestion.

    Generative execution in production environments

    Advanced generative models dictate the localised output of the marketing campaigns. Google Gemini models, specifically including the Nano Banana 2 iteration, provide specialised agentic skills. The models dynamically generate localised messaging, customised imagery, and campaign variations based on the exact specifications provided by the bidirectional data flow.

    The deployment upgrades standard text messages into immersive and interactive interfaces via Google Rich Communication Services. Advertising creatives evolve continuously based on incoming engagement data. The system processes the interaction, evaluates the response against the user profile, and instructs the Nano Banana 2 model to adjust the subsequent communication.

    Marketing departments achieve high efficiency by abandoning manual execution. Instead of configuring rigid campaign parameters, teams establish business goals and provide enterprise data access to the SAP Engagement Cloud. The autonomous agents coordinate the necessary steps, segmenting audiences based on Google BigQuery analytics and generating specific content variations through Google Gemini models.

    Evaluating the infrastructure impact

    Deploying the architecture restructures standard commerce operations. Consumers dictate their purchasing intent to search engines and conversational interfaces. The embedded AI agents process the intent, navigate the Universal Commerce Protocol connections, and complete the purchase directly against the enterprise backend.

    Retailers retain full ownership of the customer relationship despite the transaction occurring within a third-party environment. The architecture captures the consented engagement data, feeding the transaction history back into the SAP Customer Experience solutions. The system updates the localised customer profile, providing the Google Gemini models with fresh context prior to the next engagement cycle.

    The system continuously improves campaign performance without requiring direct human intervention. The multi-agent framework evaluates the success of a generated Rich Communication Services text message, adjusting the variables prior to the next automated dispatch.

    See also: Computer vision deployments drive retail productivity gains

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  • Computer vision deployments drive retail productivity gains

    Computer vision deployments are driving retail productivity gains as operators automate physical shelf tracking to protect eroding margins.

    This hardware deployment directly addresses the persistent in-store execution failures currently costing the industry billions. A study authored by Coresight Research – in partnership with technology providers Simbe and RELEX Solutions – calculates the exact cost of these operational shortfalls.

    Inefficiencies consume 6.4 percent of gross sales across the sector. Hardware, mass merchandise, and grocery categories will surrender $196.4 billion to these operational failures in 2026. The monetary value of these losses is jumping 21 percent over the previous year. This deficit vastly outpaces the three percent projected sales growth for the entire sector.

    Nine in ten retailers report active difficulties managing their shop floors. Empty shelves and inaccurate pricing structures directly suppress operating margins. Margin erosion exceeds five percent for 89 percent of operating businesses.

    Full-scale deployments of store intelligence platforms operate across 60 percent of enterprise footprints. This adoption rate represents an 18-percentage-point jump year-over-year.

    Experimental pilot programmes account for a mere 18 percent of current market activity. The adoption curve skews heavily toward top-tier enterprises. 73 percent of retail companies generating over $5 billion in annual revenue maintain fully scaled deployments.

    Mid-market operators lag behind, with only 42 percent of sub-$1 billion companies achieving similar deployment maturity. Treating physical stores as separate entities from digital channels degrades customer lifetime value. Capital expenditure directly targets out-of-stock tracking, automated pricing, planogram verification, and assortment planning.

    Production deployments in hardware and grocery

    BJ’s Wholesale Club provides a documented case study of applied shelf digitisation. The operator deployed Simbe robotics platforms to monitor inventory and price accuracy across its locations.

    Management used this hardware foundation to generate digital twins of individual warehouse clubs. This application established real-time visibility systems previously absent from their physical operations.

    BJ’s applied these digital models to route planning for online orders and curbside fulfillment. The engineering team recorded a 40 percent year-over-year improvement in picking efficiency through this data application. CEO Bob Eddy reported the technology enabled the company to elevate quality standards within fresh merchandise categories.

    Grocery operator Albertsons applies AI to automate complex retail operations. The grocer targets $1.5 billion in productivity gains spanning three fiscal years. CEO Susan Morris explained: “We will be equipping our merchants with AI-driven insights and automated execution to optimise pricing, promotions, and assortment decisions, transforming category management and driving margin improvement.

    “Our vision is the future where intelligent automation guides these decisions, freeing our people to focus on strategy and innovation.”

    Flaws in deployment sequencing

    Many organisations prioritise the installation of pricing software while ignoring foundational sensor infrastructure. 43 percent of surveyed technology leaders direct their capital toward pricing optimisation software.

    Supplier collaboration platforms rank second in priority, attracting investment from 36 percent of operators. Only 33 percent of these organisations invest in the shelf digitisation hardware required to feed accurate data into those pricing models.

    This hardware includes the sensors and cameras needed to verify physical stock availability. Store intelligence deployments require strict sequencing to function properly. Retailers must first digitise the shelf, deploy data analytics, install inventory tracking software, and finally execute pricing automation.

    This inversion of the technology stack creates downstream data failures. Markdown algorithms process outdated inventory counts when physical tracking sensors are absent. Mispricing rates hit 13 percent in 2026, marking a four-point increase since 2024.

    Pricing and promotional execution dominates the priority list, presenting an active difficulty for 92 percent of operators. Kim Anderson, VP of Store Operations at Schnucks Markets, states that shelf data must precede all other implementations. Without accurate physical inventory monitoring, downstream applications fail to meet their performance targets.

    Out-of-stock events remain severely disruptive, with 52 percent of operators ranking inventory availability as highly demanding. Operators attempt to fix multiple problems simultaneously, with 40 percent directing capital toward three or more operational inefficiencies at once.

    Labour reallocation and efficiency metrics

    Lowe’s demonstrates the financial impact of automating the associate workflow through its ‘Perpetual Productivity Improvement’ initiative. Executive VP of Stores Joseph McFarland directed the deployment of workforce management tools and inventory solutions to eliminate redundant associate tasks.

    The engineering rollout saved 80 non-productive labour hours per store on a weekly basis. Lowe’s advanced the initiative by deploying full shelf replenishment technologies powered by AI to track stock depletion in real-time.

    Management distributed financial bonuses to the workforce based on documented productivity enhancements. The company issued $5,000 to associate store managers and varied payouts to hourly staff.

    Broad industry data validates the performance metrics recorded by Lowe’s. The deployment of intelligence applications drives a 14 percent average reduction in time spent on manual store tasks. 86 percent of organisations record defined decreases in manual assignment hours.

    Retailers report distinct performance disparities based on total revenue. 56 percent of operators generating over $5 billion report advanced reductions in task completion times, compared to only 36 percent of mid-market companies.

    Organisations cite operational efficiency as their primary investment objective, followed closely by the unification of store data. Retailers expect these tools to generate new capital, with 40 percent of leaders seeking to establish alternative revenue streams like retail media networks.

    Securing market competitiveness

    Store intelligence technologies function as an interconnected ecosystem rather than standalone fixes for isolated problems. Deploying these systems without a coherent sequencing plan forces operators to build upon an unstable foundation.

    Establishing real-time, shelf-level visibility proves strictly necessary before attempting to scale downstream software. Pricing automation, supplier collaboration platforms, and inventory forecasting applications require verified physical data to generate accurate outputs.

    Customer behaviour responds directly to correct operational upgrades. Proper deployments increase customer lifetime value by 11 percent across the sector, while conversion rates improve for 50 percent of the operators executing physical automation frameworks.

    48 percent of companies record increased enrollment in their loyalty programmes following system integration. Accurate pricing and consistent stock availability elevate online review metrics for 47 percent of surveyed operators.

    Retailers compounding value through integrated, properly sequenced hardware and software capabilities possess a distinct market advantage over competitors accumulating disconnected applications.

    See also: HSBC expands AI banking partnership with Google Cloud

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  • Google Cloud generative AI automates council planning operations

    Government ministries are deploying Google Cloud generative AI across municipal agencies to automate council planning operations.

    Public sector administration handles vast volumes of unstructured data that delay infrastructure development. The UK central government established a target to construct 1.5 million new homes by 2029. Local planning authorities encounter administrative backlogs caused by dense paperwork, delaying these development timelines.

    To address these constraints, the Ministry of Housing, Communities and Local Government (MHCLG) and the Department for Science, Innovation and Technology (DSIT) expanded two machine learning tools designed to accelerate municipal processing. Speaking at the Google Cloud Summit London, officials confirmed the nationwide deployment of the ‘Extract’ application and the progression of the ‘Augmented Planning Decisions’ (APD) prototype.

    Lila Ibrahim, Chief AI Readiness Officer at Google DeepMind, said: “The UK has an opportunity to build the homes our communities need, but local councils face a mountain of paperwork. That’s why we’re co-creating a sophisticated planning tool directly with councils to solve real-world bottlenecks.

    “This will help significantly cut decision times, freeing up planners to focus on the future to get Britain building faster.”

    Householder applications – which include routine domestic modifications such as loft conversions or property extensions – account for nearly 70 percent of all planning applications submitted annually. Evaluating these standard submissions manually requires planning officers to spend hours cross-referencing regional policy documents, historical archives, and unstructured PDF files.

    Such a repetitive evaluation process consumes administrative hours that would otherwise support major infrastructure and commercial developments. The deployment of automation targets this administrative distribution, aiming to reduce application decision timelines by 50 percent.

    Core capabilities of the Google Cloud generative AI tools

    Engineers at MHCLG and the government’s applied AI team, the Incubator for AI (i.AI), built the Extract tool internally using Gemini foundation models. Following trials across more than 20 local planning authorities, administrators expanded the application to every council in England.

    Extract parses unstructured data locked within legacy PDF records, converting hundreds of pages of historical planning documentation into structured digital datasets within minutes. Operational data from the trial phases indicates that the tool will eliminate roughly 255 hours of manual data entry per council annually. This reduction allows local authorities to reallocate personnel to complex evaluation tasks.

    Integrating large language models into public sector workflows requires enterprise-grade security environments. Local authorities process sensitive civic records, requiring strict risk management protocols to prevent data exposure.

    The government hosted the Gemini models on Google Cloud to establish a protected operating environment where data sovereignty is maintained. The cloud environment features active security controls to block malicious inputs, including prompt injection attacks. This technical framework ensures that sensitive municipal data remains secure during both testing and production computing cycles.

    The APD system, meanwhile, acts as an analytical assistant for municipal planning officers by automating four primary administrative tasks:

    1. The system consolidates incoming documentation by pre-processing data backlogs, flagging missing information gaps, and extracting core geographical site data onto a unified user interface for officer review.
    2. The software identifies relevant national and local zoning laws, assesses compliance margins, and appends precise policy citations for manual verification.
    3. The application parses public consultation letters, summarising stakeholder objections or historical legal precedents.
    4. The model generates initial drafts of final evaluation reports, including the technical rationale and recommended approval conditions.

    Protocols dictate that human planning officers retain final decision-making authority over every application. The software does not automate final approvals or rejections independently. Staff members review every line of text generated by the machine learning models, modifying the analytical reasoning before validating the report.

    To maintain regulatory accountability, the APD prototype records its internal processing steps sequentially. This mechanism establishes an auditable chain of thought, creating a verification trail for every processed application to support the officer’s final determination.

    Local council planning trials and scaling timelines

    The development of the APD prototype relies on a collaborative framework linking public sector administrators with engineering teams from Google Cloud, Google DeepMind, and Faculty.

    The alpha version undergoes live testing within three local authorities: the London Borough of Barnet, Dorset Council, and the London Borough of Camden. Testing across these distinct regional jurisdictions provides developers with varied municipal datasets to test the software against diverse local policies. 

    Central planners intend to complete the alpha phase and deploy the APD tool to all 300-plus English local authorities by 2027. Google Cloud provides the elastic computing infrastructure required to manage the thousands of concurrent inferencing queries generated during daily operations.

    Paul Maltby, Director of Public Services at Faculty, commented: “The English planning system is clogged up. Planning officers are forced to spend half their time reviewing applications to convert an attic, putting those for housing estates and warehouses on hold.

    “Built with planning officers, our AI system will take the drudgery out of reviewing simple planning applications so they can make quick decisions. It will let planning officers focus on the major developments that matter, and crucially, let families improve their homes without months of delay and uncertainty.”

    Naisha Polaine, Executive Director for Growth at Barnet Council, added: “The tool’s ability to collect relevant information, undertake a provisional assessment, and draft the foundations of a report has the potential to save significant officer time spent working on the administration of planning applications and direct this to speeding up the decision-making process for residents. In turn, this will contribute significantly to delivering our house building growth targets in the borough.”

    The coordination between MHCLG, i.AI, Google DeepMind, and Faculty establishes a structured division of labour for enterprise software engineering. Public ministries define the policy guidelines and statutory boundaries, while external technical partners engineer and deploy the underlying model architectures.

    The successful integration of these systems demonstrates the feasibility of hosting advanced language models within a secured public cloud infrastructure to process core administrative workloads and modernise public service delivery.

    See also: EU publishes its AI content labelling playbook ahead of the AI Act’s August deadline

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  • Insurers pivot AI strategy toward core risk underwriting

    AI investments by insurers are now expected to generate tangible business value beyond mere efficiency.

    According to findings in the 2026 Evident AI Index, insurers are now embedding AI technologies into workflows that directly influence underwriting discipline and capital allocation.

    Christian Preece, Insurance Director at Evident, says: “For years, insurers have competed on AI ambition, but now the focus is shifting from what insurers are building to the value they’re creating. In itself, it’s a sign of AI maturity to have the internal capability to measure these figures and be confident enough to disclose them.

    “As the first industry leaders disclose hard return on investment data, they’re providing the kind of evidence that shareholders and boards have been looking for in light of increasing concerns around the costs of AI, and we can expect to see more insurers going public in the coming year.”

    While the broader insurance workforce experienced a contraction of 2.2 percent over the past year, the AI-specialist headcount expanded by 32 percent across the 30 insurers tracked in the report. This personnel shift highlights a transition from building data foundations to the integration and optimisation of business-specific AI use cases.

    Data engineering remains a component of this investment, yet its relative share of the talent stack is declining as roles focused on AI development and software implementation gain priority. AI specialists now represent one in every 50 employees at insurers included in the Index.

    Executive structures are also adapting to these requirements. Nearly 40 percent of the insurers indexed now designate a senior leader with explicit responsibility for AI. Most of these appointments occurred within the last 12 months, creating a new level of executive oversight for AI-driven growth.

    This governance is vital as firms shift from isolated point solutions toward agentic AI systems that coordinate actions across multiple stages of the policy administration and claims lifecycle. Notably, the adoption of agentic AI has surged, with one in four newly disclosed use cases now showing evidence of agentic orchestration, compared to one in twenty only six months prior.

    Zurich sets an example

    Zurich serves as an example of this transition, rising from 12th position to 4th in the global rankings by emphasising a shared platform model over decentralised experimentation.

    The insurance giant deployed ZurichIQ, a modular generative AI platform integrated into underwriting, claims, legal, and service operations. This architecture provides a unified environment for various functional tools, such as PolicyIQ for contract comparisons and GuidelinelQ for enforcing underwriting standards.

    Hurdles in such deployments typically involve maintaining oversight across diverse business lines. Zurich manages these risks through a dedicated committee that governs AI investment and model risk management. The platform approach allows the insurer to push AI capabilities into daily production while maintaining a consistent governance framework, which is reinforced by internal training programs like the £1.3m AI apprenticeship initiative.

    Ericson Chan, Group Chief Information & Digital Officer at Zurich, said: “Being recognised as the biggest AI growth insurer in the Evident AI Index is not simply a reflection of technology adoption; it signals a broader transformation from use cases to enterprise-wide execution and change.

    “This recognition reinforces our conviction in our AI360 strategy, embedding intelligence into workflows, decisions, and customer outcomes across the value chain. AI is no longer a technology initiative. It is becoming Zurich’s operating system.”

    Focus on risk selection and ROI

    With claims typically accounting for 60 to 80 percent of premium income, even minor improvements in fraud detection and risk selection produce a disproportionate financial impact compared to general administrative cost reduction.

    Insurers are now directing venture capital and internal innovation efforts toward data sources that enable more dynamic analysis of climate volatility and cyber threats. A critical marker of this maturity is the ability to quantify and disclose financial returns.

    Manulife, Generali, and Intact Financial have led this effort, publicly reporting AI-driven value. Projections indicate these three firms will generate over $1 billion in AI-driven value by the end of their respective reporting periods. This transparency provides the hard data shareholders demand regarding the costs of AI deployment, effectively mandating more rigorous performance measurement across the sector.

    Success in the next phase of industry adoption depends on the ability to translate these technical investments into better underwriting results. Market leaders Allianz (which now holds the largest AI talent pool in the industry and has registered 900 AI use cases worldwide) and AXA maintain top positions by demonstrating sustained investment across innovation, talent, and transparency pillars.

    Barbara Karuth-Zelle, Member of the Board of Management and Group COO at Allianz, commented: “AI didn’t change our ambition. It accelerates how we deliver on it at scale.

    “Behind this ranking are thousands of moments: a claim processed faster, a customer experience reimagined, a partner better connected, a colleague freed up for what truly matters. And we are determined to keep going—an inspiring, transformative journey.”

    See also: Accenture: Consumers show growing trust in AI shopping agents

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  • Coinbase for Agents: Automating portfolio trading with AI

    Coinbase for Agents connects AI to financial execution channels to automate trading and payments directly from user portfolios.

    Large language models process vast quantities of data but lack direct integration with active financial portfolios. Individuals frequently employ these models to evaluate market developments or research investment opportunities. These software tools possess the capacity for complex reasoning but cannot execute financial transactions on behalf of the user.

    Coinbase for Agents enables autonomous digital entities to execute trades, process payments, and manage balances within user-defined parameters.

    Terminal-based systems use command-line interfaces to manage the connection. This route fits development environments such as Claude Code, Codex, or OpenClaw. The command-line architecture integrates directly into established local development toolchains. This implementation path lowers token expenditure during high-frequency tasks and accommodates extensive local customisation. Setting up this configuration involves installing specific skill packages via the Coinbase Developer Platform documentation and generating dedicated API keys.

    Web-centric software arrangements, meanwhile, rely on the Model Context Protocol. MCP establishes a direct integration path for web-based agent environments like ChatGPT or Claude Web. It permits a rapid connection via a single account login procedure. This method functions without requiring manual API key creation or complex local configuration files. A remote MCP option will become available in the near future that will allow individuals to link their financial profiles using standard single sign-on features without writing code.

    Portfolio allocation and execution

    Account holders can program specific distribution rules, instructing an automated agent to establish or maintain targeted asset ratios.

    As an example, a portfolio manager might select a target distribution consisting of 60 percent Bitcoin, 20 percent Ethereum, and 20 percent Solana. The agent executes this directive over extended timeframes spanning multiple months. It assesses real-time pricing data and positions limit orders to purchase assets when market valuations decline by five, ten, or fifteen percent. The software captures these brief market pullbacks to accumulate assets automatically.

    Coinbase’s current system supports spot and derivatives trading but is working on expanding the protocol to include index funds, standard corporate equities, commodities, and prediction markets.

    The autonomous assistant monitors available cash balances around the clock to keep funds productive. It distributes idle capital to generate rewards or highlights specific asset positions that require direct human attention.

    Integrating the x402 protocol allows these agents to interact with external commercial systems. Coinbase introduced this agentic payment protocol last year to provide software agents with a standard method for economic interaction. Agents deploy capital via this protocol to purchase computing resources, analytical models, and proprietary market data to inform their decisions. Upcoming x402 integrations will standardise these automated purchases across web services.

    Data collection determines the efficacy of automated trading logic. An agent assigned to execute a dollar-cost averaging plan into Ethereum uses historical metrics to optimise market entry. The system retrieves thirty days of hourly pricing statistics to pinpoint historical low points during the day and can then establish a recurring daily market purchase of $20 timed precisely to those optimal windows. The automated routine executes daily for two weeks based on a single initial command.

    Security controls and compliance

    Agents operate exclusively inside isolated portfolios to safeguard broader financial holdings. This design prevents the autonomous entity from viewing or accessing unauthorised balances.

    Users already retain total control over the operational boundaries. However, upcoming platform updates will introduce explicit rulesets for fine-tuned governance. Users will dictate maximum transaction volumes, specific permitted assets, and absolute spending limits.

    The platform subjects all agent-initiated payments to standard transaction monitoring and “Know Your Transaction” validation. Users receive automated compliance verification without building internal monitoring systems.

    Coinbase’s latest product launch marks the expansion of a broader consumer product suite that began with the 2024 launch of AgentKit, which provided tools for embedding crypto wallets into software systems. The subsequent introduction of the x402 protocol and the release of Coinbase for Agents finalises the financial execution layer.

    Alternative connection options exist for everyday investors who prefer simple interfaces. Coinbase Advisor operates natively inside the primary consumer application. This integrated agent provides automated recommendations and financial guidance directly to users. The assistant holds formal registrations with both the SEC and the CFTC as a financial advisor. For retailers, commercial merchants can deploy Coinbase Payments to accept automated transfers from these autonomous systems.

    See also: Visa ChatGPT integration enables AI agent retail purchasing

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  • Visa ChatGPT integration enables AI agent retail purchasing

    Visa has linked its payment infrastructure to ChatGPT, enabling AI agents to recommend retail products and execute financial transactions.

    The deployment removes human intervention from the final stages of the retail funnel. Autonomous agents will now process user prompts, evaluate merchant catalogues, and complete the checkout process using Visa’s payment rails at any supporting merchant.

    Previous retail AI integrations restricted automated purchasing to single-vendor environments. Retailers built proprietary chatbots confined entirely to their own inventory. Visa’s integration bypasses closed-loop architecture.

    The payment giant connects the open-web reasoning capabilities of a large language model directly to a universal transaction network. Users simply command the agent to procure an item, and the model handles the vendor selection, product comparison, and financial settlement.

    Enterprises should be aware that commercial transactions will increasingly execute without a human buyer ever seeing a retailer’s website, digital advertisement, or promotional email.

    Restructuring retail data for AI agent buyers

    Marketing departments design campaigns around human psychology, emotional triggers, and visual merchandising. AI agents operate on pure data evaluation.

    When ChatGPT receives a mandate to purchase a specific product type, it parses technical specifications, aggregated sentiment scores, and pricing structures. Display ads and user interface optimisations hold zero weight in the model’s selection criteria.

    Retailers will need to expose machine-readable inventory data. Search engine optimisation transitions into language model optimisation. The algorithms driving ChatGPT rely on structured data feeds, clear API documentation, and explicitly-formatted product attributes to evaluate whether an item meets the user’s parameters. Merchants failing to maintain high-quality, structured metadata will find their products invisible to the autonomous agent.

    Personalisation occurs entirely on the user’s device or within the user’s secure LLM profile. The AI retains the consumer’s past preferences, sizing requirements, budget constraints, and brand affinities. Instead of the retailer attempting to guess the consumer’s needs through tracking cookies and site behaviour, the agent arrives at the digital storefront with a highly-specific procurement mandate.

    Completing a transaction without human intervention requires a secure, automated handshake between the reasoning engine and the payment gateway. Visa provides the financial layer necessary to establish trust in an inherently untrusted agentic environment. Traditional checkout flows require manual data entry, CAPTCHA verification, and two-factor authentication loops. These mechanisms block autonomous agents.

    Visa implements programmatic tokenisation to solve the authentication problem. The user pre-authorises the ChatGPT environment with specific spending parameters. When the LLM decides on a purchase, it generates a single-use payment token through the Visa network. The agent transmits this token via API to the merchant’s backend systems. The transaction settles exactly like a standard digital wallet payment, bypassing the visual user interface completely.

    A digital storefront requiring multi-page navigation or mandatory account creation introduces failure points for the agent. Enterprises actively deploying headless commerce architectures possess an advantage. They can process the agent’s payload, confirm stock levels, and execute the payment token in milliseconds.

    Enterprises track bounce rates, session durations, and cart abandonment to understand consumer behaviour. An AI agent does not browse—it queries an endpoint, extracts the necessary data, and either executes the payment or terminates the connection.

    Retailers must develop new telemetry to measure agent interactions. Tracking the frequency of API queries from known LLM IP addresses replaces tracking unique human visitors. Understanding why an agent selected a competitor’s product will require analysing the structural differences in product data feeds rather than running A/B tests on website layouts.

    Customer retention strategies also need adjustment. An autonomous agent evaluates the market fresh with every prompt unless explicitly instructed by the user to reorder a specific brand. Loyalty programmes must be engineered into the payment token or the user’s LLM profile. If the AI cannot automatically apply a loyalty discount during its background calculation, the merchant loses the pricing advantage intended to secure the repeat purchase.

    Managing and securing the agentic AI supply chain

    Prompt injection attacks could theoretically manipulate an agent into purchasing from malicious vendors or authorising inflated transactions. Visa’s network acts as the final validation layer, applying fraud detection models to the incoming token requests.

    Businesses face the secondary challenge of managing automated returns and customer service queries initiated by the AI. If the delivered product fails to meet the parameters defined in the original prompt, the user can instruct the agent to reverse the transaction.

    In this scenario, the AI will autonomously navigate the merchant’s return policy, initiate the refund request, and generate the necessary shipping labels. Retail customer service operations must deploy their own automated systems capable of negotiating directly with the consumer’s agent.

    Visa’s ChatGPT integration confirms the enterprise transition from human-operated software interfaces to autonomous digital proxies. The customer is no longer necessarily a human navigating a web browser, but an algorithm executing a script.

    See also: Aviva deploys AI to stop £230M in sophisticated insurance fraud

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  • Aviva deploys AI to stop £230M in sophisticated insurance fraud

    Aviva has uncovered a record £230 million in insurance fraud claims and is using AI tools to counter the growing problem.

    The battleground has changed, and the culprits are also coming armed with a new generation of tools. We’re now in an environment where AI is being used not just to defend against fraud, but to perpetrate it.

    The insurance industry has long dealt with opportunistic dishonesty. A bumped car suddenly needs four new doors, or a minor slip becomes a life-altering injury. However, according to Aviva’s data, the nature of the deception is getting deeper, more sophisticated, and harder for the human eye to catch.

    Aviva is fighting fire with fire, deploying its own AI to uncover these elaborate schemes.

    Countering the AI-powered insurance fraud factories

    Aviva reports that scammers are now using AI to generate convincing fakes of car accident scenes. These aren’t clumsy photoshop jobs; they’re detailed, plausible images that can easily fool a claims handler working through a heavy caseload.

    The same generative AI tools are being used to create fake documents, from invoices for repairs that were never done, to medical reports that have no basis in fact. Fraudsters don’t need access to a network of corrupt garages or medical professionals to back up their story. They just need a subscription to an AI service and a bit of imagination. The AI handles the rest, producing official-looking documents that can pass a cursory inspection.

    An individual or small group can now generate the supporting evidence for dozens of high-value claims without ever leaving their desk. How do you validate reality when reality itself can be so easily and cheaply faked?

    Aviva’s response has been to build an AI-powered defence system that can operate at the same scale and speed as the threat. While the company is understandably tight-lipped about the exact architecture, you can piece together what a system like this needs to do.

    At its core, the AI detective carries out pattern recognition at scale. The AI sifts through millions of data points from current and past claims, learning what a legitimate claim looks like—and, more importantly, what it doesn’t.

    When a new claim comes in, the system is cross-referencing everything. Does the damage in the photo match the physics of the described accident? Do the timestamps on the documents make sense? Has this vehicle registration number appeared in other suspicious claims? Are the repair costs quoted on the invoice out of line with the thousands of other similar repairs in the database? It’s a level of forensic analysis that would be impossible to perform manually on every one of the thousands of claims filed each day.

    From organised crime to exaggerated claims

    It’s important to note that this isn’t all about organised criminal gangs. A portion of that £230 million figure comes from what the industry calls “claims inflation.”

    Claims inflation is the more common fraud where policyholders or service providers pad the bill. For instance, a garage might add unnecessary repairs to a quote, or an individual might exaggerate the value of items stolen in a burglary.

    Here, too, AI is proving to be a heavy-duty tool. By analysing vast datasets of repair costs and market values, the system can instantly flag when a quoted price is an outlier. It can compare the cost of a replacement part from one garage against the average from hundreds of others in the same region for the same make and model.

    The goal of Aviva’s AI isn’t to outright deny claims, it’s an augmentation tool for their human investigators. The AI acts as a filter, sifting through the noise to surface the most likely instances of fraud. This human-in-the-loop approach is essential for ensuring fairness and preventing the system from becoming a black box that makes decisions without oversight.

    What Aviva is doing provides a potential route for any customer-facing enterprise in the age of generative AI. The same technology that creates these threats is also the most effective way to combat them.

    As it becomes easier to fake everything from identities to invoices, the only viable defence is an intelligent system that can learn, adapt, and spot deception at a scale that humans alone can’t match.

    See also: Weis Markets adds Instacart AI-powered shopping carts to stores

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  • How C3 AI agents will automate predictive maintenance for Shell

    Shell will use agents from C3 AI to shift from basic anomaly detection towards fully-automated predictive maintenance.

    The global energy giant is building on their current use of the C3 AI Reliability Suite, which already keeps tabs on more than 30,000 crucial pieces of equipment across upstream and downstream operations. Shell now intends to lean heavily into autonomous AI agents, putting them in charge of the entire maintenance lifecycle.

    Going from that first warning sign all the way to a completed repair, this level of automation strips away the need for constant human oversight and makes sure the company’s resources are pointed exactly where they are needed most.

    “This expanded partnership with Shell proves what’s possible when enterprise AI is fully operationalised at global scale for predictive maintenance—reducing unplanned downtime and delivering hundreds of millions of dollars in economic value,” said Stephen Ehikian, President of C3 AI.

    “Shell has built mature AI predictive maintenance programs on our platform, and together we’re now pushing into agentic AI, advancing how this technology can further transform reliability, safety, efficiency, and operational performance.”

    C3’s AI agents help Shell move past basic anomaly detection

    In the beginning, Shell used machine learning simply to spot odd patterns in sensor data, giving engineers an early heads-up before things broke. To pull this off, the system ingests a massive amount of real-time operational technology (OT) data and mixes it with business context from ERP platforms such as SAP.

    The next step introduces AI agents built for actual reasoning and independent action. While older systems stopped at pinging an engineer when things looked unusual, this next-generation framework independently investigates why an alert fired in the first place.

    Once it pinpoints the root cause, the agent steps up to draft precise work orders, confirm part availability in the inventory, and generate procurement requests.

    C3 AI’s platform handles the heavy lifting, providing a model-driven space to easily integrate high-frequency sensor feeds with structured financial and maintenance logs. These AI capabilities are trained to learn the normal operating baselines for specific gear, like pumps, turbines, and compressors.

    The agentic layer sits on top of this foundation. Operators configure an individual agent for a given piece of equipment by defining its objectives and permitted responses. If the core machine learning models detect a deviation from normal operations, this agent activates, gathering extensive contextual data to build a complete picture of the situation. This context usually includes recent maintenance history, environmental conditions, and upstream process variables.

    Using all that information, it suggests a fix backed by solid evidence. Human operators can then easily approve or override the plan. As the system proves itself over time, Shell can fully automate its responses to certain types of alerts. Connecting straight into systems like SAP is critical here, allowing the agent to work inside the exact same workflows that human planners already use.

    The real impact of agentic AI for predictive maintenance

    Putting agentic AI to work at this scale tackles the classic “last mile” headache in predictive maintenance. Many industrial companies can predict failures just fine, but turning those insights into fast, efficient action remains a challenge. Usually, engineers still have to manually dig through alerts, investigate the causes, and write up the work orders themselves.

    Shell wants to shrink that timeline. By letting AI handle root cause analysis and work orders, the delay between a predicted failure and the actual fix drops. That directly improves equipment uptime and protects production.

    Moving to a model where repairs only happen when the equipment condition actually demands it naturally saves money, simply because nobody is wasting time tinkering with perfectly fine machinery. Leaving healthy hardware alone also means it lasts much longer.

    On top of the cost savings, stepping in before a catastrophe hits makes the whole operation much safer and cuts down on environmental risks, which is always top of mind in the energy sector.

    “What Shell and C3 AI have built on Azure over the past several years is exactly what enterprise AI should look like—real applications, running in production, delivering measurable value at global scale,” commented Sandy Gupta, VP GISV, Software Development Companies at Microsoft.

    This expanded rollout shows that we are finally talking about practical industrial AI production workflows instead of just algorithms. Rather than just the prediction itself, the real value comes from the system’s ability to act on it with barely any human oversight.

    See also: Meta Business Agent drives AI-powered conversational commerce

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