Decimal Chronicles August 2026 Newsletter Banner
 
From Automation to Judgment: Turning Data and AI into Better Decisions
 
September’s edition explores how organizations are moving beyond automation to build systems that combine AI, data, domain expertise, and human judgment to support better decisions.
 
From designing specialized AI agents for private credit and scaling QIS analytics without adding headcount to strengthening trade surveillance and transforming insurance risk engineering, this month’s insights examine where technology can take on repetitive work while keeping expertise at the center of critical decisions. We also look at what airfare data reveals about the timing of flight bookings and highlight perspectives from the 9th Global EXIM Summit 2026 on how AI, digital trade, and trusted data are reshaping global commerce.
 
 

Featured Articles

 
 
Building for Judgment, Not Just Reading   Scaling QIS Analytics Without Scaling Headcount
 
Building for Judgment, Not Just Reading   The Shape of Risk
 
Automating private credit funding requests requires more than extracting information from documents. The real challenge lies in understanding which agreements govern a request, identifying relevant amendments, validating calculations, and determining which exceptions require human attention. This article explores how five specialized AI agents can mirror the work of a review team, making each stage of the process visible, checkable, and auditable. Early testing on a limited sample reduced the first automated pass from most of a skilled reviewer’s day to well under an hour, while keeping the reviewer responsible for the judgment that matters   For QIS and risk-tech platforms, obtaining fund holdings data is increasingly routine. The bigger operational challenge is decoding the many different disclosure formats before analysts can begin validating the data. This article examines how a combination of automated data collection, AI-led standardization, and rule-based quality checks reduced a holdings-data cycle from approximately 75 minutes to 30 minutes. It also explores a more practical build-versus-outsource question: which capabilities represent genuine competitive expertise, and which repetitive tasks can be automated while analysts remain responsible for validation.
 
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Blogs

 
 
How DPA’s Agentic AI Platform Is Changing Trade Surveillanc   Risk Engineering: Turning Risk Assessment into a Strategic Advantage for Insurers
 
How DPA’s Agentic AI Platform Is Changing Trade Surveillanc   Risk Engineering: Turning Risk Assessment into a Strategic Advantage for Insurers
 
Trade surveillance teams need to monitor large volumes of communication while identifying potential compliance risks quickly and consistently. Agentic AI creates an opportunity to move beyond manual sampling and support more scalable surveillance across complex communication environments. This blog explores how AI-led call surveillance can strengthen trade compliance by helping teams analyze interactions at scale, surface potential exceptions, and focus human attention on conversations that require closer review.   Risk engineering is evolving from periodic assessment toward continuous, data-driven risk intelligence. By bringing together engineering observations with claims, geospatial, climate, operational, and other data, insurers can build a more dynamic understanding of how exposures change over time. This blog examines how analytics and AI can help insurers identify emerging risks earlier, strengthen underwriting and pricing decisions, prioritize high-risk accounts, improve loss prevention, and develop a broader portfolio-level view of risk while keeping engineering expertise central to the process.
 
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Decimal In the News

 
 
Booking Early Can Save You Big: What Flight Fare Data Reveals   TOI-DPA Airfare Index: A Data-Driven View of Flight Pricing
 
Booking Early Can Save You Big: What Flight Fare Data Reveals   India’s Real Youth: A Data-Driven Look at the Next Billion
 
Analysis from the TOI-DPA Airline Price Index across 54 domestic routes found a clear relationship between booking timing and airfare. On the average route, booking approximately 30 days in advance costs about 20% less than booking the day before departure, while a passenger booking at the last minute pays roughly 25% more than someone booking a month earlier The analysis also shows that the impact varies significantly by route, providing travelers with a more data-driven view of when advance planning can make the biggest difference.   The TOI-DPA Airfare Index brings greater visibility to how domestic airline prices change based on booking window, departure time, day of the week, and route. A joint initiative between The Times of India and Decimal Point Analytics, the index analyzes economy-class fares across routes connecting eight major Indian metros. By tracking multiple advance-booking windows and route-level pricing patterns, it provides a structured view of airfare movements, seasonal demand, and the potential premiums or savings associated with different booking decisions.
 
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Event Highlights

 
 
AI Financial Spreading for Faster Credit Risk Assessment  
Shailesh Dhuri at the 9th Global EXIM Summit 2026: Export 2030
 
Shailesh Dhuri, Founder & CEO of Decimal Point Analytics and Empyreal Galaxy, participated as a Distinguished Speaker at the 9th Global EXIM Summit 2026, where he delivered a session on “Export 2030: AI, Digital Trade & Sustainability.”
 
The session explored how AI, digital documentation, trusted data, and sustainability requirements are changing international trade. From HS classification and landed-cost simulation to compliance dossiers and tariff scenario analysis, Shailesh highlighted how technology can reduce operational friction while people remain responsible for judgment, negotiation, relationships, and critical decisions.
 
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