The Philly AI Guy / James's journal

Dispositions.

Notes on AI, work, and the decisions behind the headlines.

I read the source, look at what changes in practice, and write down the questions worth asking.

Latest analysis

Analysis by James Perkins. Each entry links to its source and a permanent analysis page. The analysis date and source publication date are shown separately.

Analysis: Enterprise AI & AgentsActionable Signal

MIT Sloan's 2024 Survey Findings: The Gap Between Generative AI Pilots and Production

James Perkins on the gap between generative AI pilots and production: messy inputs, exception handling, integrations and operational readiness.

Read the analysis
By . Source: MIT Sloan Management Review ↗. Source published .

These are historical survey findings reported in January 2024, not current adoption estimates. The AWS and Wavestone surveys measured different stages of deployment.

Analysis: Fintech & BankingActionable Signal

CFPB's 2023 AI Credit-Denial Guidance: A Case for Explainable Decisions

James Perkins's analysis of the CFPB's 2023 AI credit-denial guidance and the role of explainability, compliance gates and audit trails.

Read the analysis
By . Source: Consumer Financial Protection Bureau (CFPB) ↗. Source published .

The linked CFPB release is an archived source from 2023. James's analysis was published in September 2026.