Most companies jump straight to AI use cases. They pick the hottest tools, launch pilots, and wonder why nothing scales. The problem isn't the technology. It's that they don't have a map of how work and decisions actually move through their organization.

In this episode, Michael Fauscette sits down with Minyang Jiang (MJ), Chief Strategy & Revenue Officer at Credibly, to unpack what she calls the Intelligence Model: a framework for understanding where AI excels, where humans still lead, and why the scarcity models that shaped how businesses operate for decades are now being fundamentally challenged by AI's abundance. MJ also shares hard-won lessons from leading AI transformation at a fintech lending company, including why friction is something leaders should protect, not eliminate.

TIMESTAMPS:
00:00 - Introduction
01:16 - MJ's Path: From Ford Motor Company to Fintech AI Transformation
03:17 - Why System-Level AI Change Is So Hard for Real Businesses
06:52 - The Intelligence Model: Mapping Work Before You Automate It
09:05 - The Scarcity Problem: Decisions Built Around Human Limits
10:34 - Where Humans Still Beat AI: Prioritization, Decisioning, and Intuition
13:17 - Why Human-AI Collaboration Still Produces the Best Results
15:52 - The Awkward Teenage Phase of AI Agents
18:32 - AI Has No Mental Model: The Adjacency of Expertise Problem
22:23 - Credibly AI: Patented AI Underwriting and Industry Classification
27:01 - The Explainability Tension: Complexity vs. Customer Trust
29:39 - Change Management: The Crowd, the Lab, and the Leader
33:35 - The Balloon Effect: Why AI Productivity Creates More Work, Not Less
37:19 - Human in the Loop to Human in the Lead: The Trust Progression
42:10 - Agent-to-Agent Commerce: Redesigning for Machine Buyers
45:37 - What Leaders Should NOT Do: The Case for Intentional Friction
48:48 - MJ's Recommendations: Stefano Bertoni and Lenny's Newsletter
49:51 - Wrap-Up

ABOUT THE GUEST:
Minyang Jiang (MJ) is the Chief Strategy & Revenue Officer at Credibly, a fintech lending company, where she leads the AI transformation and innovation team. Her career spans Ford Motor Company's marketing program, founding the Go Ride Health startup within Ford's mobility division, and building cross-functional AI adoption strategies in financial services.

ABOUT DISAMBIGUATION:
AI clarity for business leaders. New episodes every Wednesday.
Host: Michael Fauscette, CEO & Chief Analyst at Arion Research
Author of "Building the Digital Workforce"

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Website: https://www.disambiguationpod.com/
Arion Research: https://www.arionresearch.com/
LinkedIn: https://www.linkedin.com/in/mfauscette/