AI oversight in big companies is mostly just for show since nobody can actually explain how the decisions are made.
March 19, 2026
Original Paper
Companion Paper One: Case Studies Of Crystallisation Under V = 0
SSRN · 6342178
The Takeaway
When regulators or courts ask why an AI made a specific decision, organizations frequently discover they have no way to provide the evidence. This 'verification zero' state means that despite having policy frameworks, banks and government departments are effectively operating without any real oversight of their automated systems.
From the abstract
<p>Case studies. Not theory. This companion to <em>“Governing AI Without Killing Value” </em>shows what liability looks like when verification is absent by construction (V = 0) and evidence is demanded. </p> <p>It applies the KEV framework and the AI Dependency Cascade to forensic reconstructions across regulated sectors. Each case isolates the decision points that matter: what authority was delegated, what assumptions were imported, what verification was performed and what could not be reconstr