ROAR Insights Members

Published by: Apple Search for original: Link Key Take Aways Current frontier Large Reasoning Models (LRMs) exhibit fundamental limitations in developing generalisable reasoning capabilities, especially beyond certain complexity thresholds. Empirical analysis reveals three distinct reasoning regimes: standard LLMs outperform LRMs at low complexity; LRMs gain advantages at medium complexity; both collapse at high complexity. Scaling propensity shows a counterintuitive pattern: reasoning effort (token usage) increases up to a threshold but then declines despite facing more complex problems. Performance collapse occurs… Read more

Published by: MIT NANDA Search for original: Link Key Takeaways The majority of organisations are high adopters of GenAI tools like ChatGPT and Copilot, yet only a small fraction (around 5%) are realising meaningful business impact or transformative change. The core barrier to scaling AI solutions is not model quality or regulation but the organisation’s approach — specifically, its ability to build systems that learn, adapt, and retain context over time. Big firms lead in the number of AI pilots… Read more

Published by: Financial Ombudsman Service Search for original: Link Key Take Aways The Financial Ombudsman Service is evolving its funding model to better reflect case workload, aligning with principles of fairness, simplicity, and sustainability. The consultation proposes further differentiation of case fees based on case stage and outcome, moving beyond the existing flat fee structure introduced with professional representatives. Differentiation by case stage aims to incentivise early resolution, with lower fees at initial stages and higher fees for cases requiring… Read more

Published by: Financial Conduct Authority Search for original: Link Key Take Aways The current redress framework effectively handles individual complaints but struggles with mass redress events involving large volumes of complaints and systemic harm. Increasing complaint volumes, particularly from professional representatives, can overwhelm firms and the Financial Ombudsman, leading to delays, increased costs, and potential disorderly firm failures. Greater collaboration between the FCA and Financial Ombudsman is planned to improve early identification and management of issues with wider implications (WWI),… Read more

Published by: Ofwat – Water Services Regulation Authority Search for original: Link Key Take Aways The UK water regulator, Ofwat, is introducing a new consumer involvement rule as part of the Water (Special Measures) Act 2025 to enhance accountability and trust in the sector. The rule mandates water companies to establish arrangements for involving consumers in decisions that are likely to have a material impact on consumer matters. This initiative aims to address low public trust, underinvestment, pollution issues, and… Read more

Published by: Financial Conduct Authority Search for original: Link Key Take Aways Motor insurance premiums increased notably between 2022 and 2024, placing affordability pressure on consumers amid rising claims costs. Claims costs related to vehicle repair, property damage, and accidental damage constitute 65% of overall claims growth, driven by longer repair times, more complex vehicles, labour shortages, and higher parts costs. Average claims costs surged by 37% from 2019 to 2023, with a 41% rise in claims cost per policy,… Read more