Carlson BCMInsight · September 29, 2026
Autonomy is bounded by authority, not capability.
From one disability claims operation, decomposed to 429 functional capabilities and scored property by property.
Autonomy is bounded by authority, not capability.
68 of 110
Points where the carrier retains authority that need no AI at all. Better models move that number by nothing.
Agency and intelligence are independent.
11 and 26
Agents that need no language model, and capabilities that need a language model without being agents.
Business value does not follow AI suitability.
−0.117
The correlation between the value a capability carries and how much of it requires a language model.
The cheapest model is no model.
18 of 34
Functional capabilities in one enterprise capability that closed the model gate before any model was chosen.
Derived from one disability claims operation · 429 functional capabilities
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