Liv Bank · v3

Gap-to-target (lowest first)

What it means

ROI was estimated at project kickoff but nobody tracked whether it materialized. Leadership hears 'we saved 2,000 hours' but nobody can tell the CFO whether that translated into headcount reduction, throughput increase, or margin improvement. Hours saved is not value captured. The data science team is stretched across multiple pilots, delivering none at production quality. Data infrastructure supports the pilot use case but breaks when a second domain is added. There is a growing 'pilot zoo' that consumes budget without scaling.

Next steps

Implement standard value measurement with banking-specific baselines: false positive rate before/after, approval rates before/after, cost-per-transaction, time-to-decision, and financial attribution for each. Invest in MLOps foundations: standardized pipelines, model registry, and API-first integration. Consolidate the portfolio — kill low-impact pilots and redirect to 2-3 high-value initiatives with clear production paths. A bank with 3 models in production is more mature than a bank with 15 pilots.