Study Data · Part 5 · Indicator Deep-Dive Analysis

I discussed the AI output alteration with internal management

Indicator C212 · By Phil Hatch · Akholi · October 9, 2026

Indicator Specification

Table 1. Indicator specificationTable
FieldValue
Indicator codeC212
Question as askedI discussed the AI output alteration with internal management
Failure categoryNot one of the 100 rated indicators
Place in the surveyChallenge Deep Dive > 5.6 Alterations > AI Output
Indicator classRespondent level
Indicator typeYes or no
Response scaleLevels: Yes, No
Answering base253 of 850 respondents gave one of the listed answers. 270 answered, counting I do not know and I prefer to not answer, across 108 of 150 engagements
Non-answersI do not know 0, I prefer to not answer 17, blank 580
Written responses addressing the indicator95 responses from 95 respondents on 61 engagements (93 primary, 2 secondary)

Summary of Findings

Table 2. Key results: association of the indicator with the four study measuresTable
MeasureEffect sizenValuep
Cancellation rateOmega squared, 0 or 1 flag93 engagements0.0100.163
Customer satisfactionOmega squared42 engagements0.0330.063
Engagement indicator meanOmega squared93 engagements0.0180.080
Intent to leaveOmega squared93 engagements0.0120.131

Of the 253 respondents who answered, 150 (59.29%) answered True and 103 (40.71%) answered False. At engagement level, the answer was not associated with any study measure tested.

The share answering True did not differ by any segment family after Holm correction.

Of the 95 written responses, 67 were positive and 26 negative. The positive responses, nearly all under C216, said the respondent had told the team lead or manager, and some added that the financial institution was not told. Most negative responses came from respondents who had told no one, or no one above them.

Distribution of Responses

Table 3. Distribution of responses, respondent levelTable
AnswerRespondentsShare of answered (base 253)Cumulative shareEngagements with at least oneShare of 150 engagementsDistressed
Yes15059.29%59.29%7449.33%Not applicable
No10340.71%100.00%5536.67%Not applicable
I prefer to not answer17Not in baseNot in base1610.67%Not applicable
Answered, total253100.00%10469.33%

Of the 253 respondents who answered, 150 (59.29%) answered True and 103 (40.71%) answered False. The non-answers were I prefer to not answer (17). Each engagement was assigned the answer given by the largest number of its respondents. True was the assigned answer on 57 engagements and False on 36, “I prefer to not answer” on 4, and 53 engagements were tied or unanswered and carry no assigned answer.

Coverage and Origin of Written Responses

Figure 1. Written responses addressing the indicator, by question answered and written score (n = 95 responses)Exhibit
024.0848.1672.2496.32C216 (primary)2054C214 (primary)C204 (primary)C135 (secondary)C156 (secondary)−10 Strongly negative−5 Negative0 Neutral+5 Positive+10 Strongly positive
Note: Each bar is one survey question. C216, C214 and C204 are the written-answer questions of the indicator's survey section, so their responses are primary. The responses to every other question are secondary. Segments wide enough to hold a label carry their count. C216 asked: “Comment” C214 asked: “Why did you alter AI outputs?” C204 asked: “Comment” C135 asked: “Add any comments on your employer that the ratings in this section do not capture.” C156 asked: “Add any comments on the joint management of this engagement that the ratings in this section do not capture.”
Table 4. Written responses by originTable
OriginResponsesRespondentsEngagementsNegativeStrongest negative (−10)PositiveMean written score
Primary93935925 of 93 (26.88%)22 of 93 (23.66%)66 of 93 (70.97%)1.5
Secondary2221 of 21 of 21 of 2‡
All responses95956126 of 95 (27.37%)23 of 95 (24.21%)67 of 95 (70.53%)1.4
Note: ‡ Base under 10. No statistic is reported.

The primary responses numbered 93, written in answer to C216, C214 and C204, the written-answer questions of the indicator's survey section. The remaining 2 responses, 2.11% of the total, were secondary and came from 2 other questions. That secondary share ranked 6th from the highest among the 13 Part 5 indicators with 30 or more written responses, against a median of 2.00%. Respondents who wrote both a primary and a secondary response numbered 0. Negative responses made up 26.88% of primary responses (25 of 93) and 1 of the 2 secondary responses.

The 86 responses to C216 described how the alteration was handled within the vendor. In 62, the respondent said they told the team lead, manager or team, or that the lead or manager already knew. Respondents placed the alteration at a frequency, such as every cycle, most weeks or seven out of ten, in 50 responses, and said that telling the lead changed nothing at the financial institution in 3.

Across all questions, respondents said the financial institution was not told in 15 responses. No response said the financial institution had been told. In 21 of the 26 negative responses, the respondent said they had told no one, or no one above them, of the alteration. One respondent who had told the lead once said it felt held against them, and no longer mentioned it.

Distribution of Written Sentiment

Figure 2. Distribution of written sentiment (n = 95 responses)Exhibit
0%25%50%75%100%−10 Strongly negative23 (24.21%)−5 Negative3 (3.16%)0 Neutral2 (2.11%)+5 Positive59 (62.11%)+10 Strongly positive8 (8.42%)Share of responses
Note: Column height is the share of the 95 responses. Labels give the count and the share.
Table 5. Summary statistics of written sentimentTable
StatisticValueBasis
Mean written score1.495% CI −0.1 to 2.7, cluster bootstrap by engagement, 10,000 draws, n = 95 responses
Median written score5.0n = 95 responses
Negative responses26 of 95 (27.37%)95% CI 18.39% to 37.37% of 95 responses, cluster bootstrap by engagement
Strongest negative responses (−10)23 of 95 (24.21%)Statements of totality, constancy or serious harm
Positive responses67 of 95 (70.53%)+5 or +10
Net balance43.16 percentage pointsShare positive minus share negative, base 95 responses
Respondent-level mean1.4Mean of each respondent's own mean written score, n = 95 respondents

Of the 95 responses, 26 (27.37%, 95% CI 18.39% to 37.37%) were negative and 23 (24.21%) carried the strongest negative score of −10. Positive responses numbered 67 (70.53%), and 2 were neutral. The mean written score was 1.4 (95% CI −0.1 to 2.7, n = 95 responses), and the median was 5.0.

Descriptive Statistics by Segment

Table 6. Descriptive statistics by segmentTable
SegmentBaseAnsweredAnswer rateEngagementsYes, shareNo, share
Study set85025329.76% of 85010859.29%40.71%
Outsourcing model
CXM2326628.45% of 2322946.97%53.03%
ITO2447430.33% of 2443151.35%48.65%
BPO2096531.10% of 2092676.92%23.08%
KPO1654829.09% of 1652264.58%35.42%
Institution type
Asset management1324131.06% of 1322163.41%36.59%
Wealth management and private banking1403927.86% of 1401346.15%53.85%
Investment banking (advisory and capital-markets origination)1054139.05% of 1051656.10%43.90%
Insurance (life, property and casualty, health)782633.33% of 781265.38%34.62%
Commercial and business banking821619.51% of 82956.25%43.75%
Payments and merchant acquiring (networks, acquiring, processing)712332.39% of 71760.87%39.13%
Credit card and payments issuing732534.25% of 73948.00%52.00%
Retail and consumer banking732128.77% of 73776.19%23.81%
Markets and trading (sales and trading, global markets)571424.56% of 57864.29%35.71%
Private equity and private capital39717.95% of 39661
Process family
Corporate and back-office functions2487329.44% of 2483267.12%32.88%
Technology engineering and operations2044823.53% of 2042552.08%47.92%
Client servicing and communications943436.17% of 941341.18%58.82%
Trade, settlement and reconciliation803037.50% of 801180.00%20.00%
Payments, cards and disputes732534.25% of 73960.00%40.00%
Credit, underwriting and suitability57814.04% of 57544
Regulatory, audit, tax and legal511835.29% of 51755.56%44.44%
Financial crime and client onboarding431739.53% of 43652.94%47.06%
Class of work
LOB Operational45115133.48% of 4515760.26%39.74%
Corporate Functional39910225.56% of 3995157.84%42.16%
Engagement status and lifecycle stage
Active, Build-Out1753117.71% of 1752054.84%45.16%
Active, Transition/Cut-Over2504016.00% of 2502182.50%17.50%
Active, Production1032928.16% of 1031258.62%41.38%
Canceled32215347.52% of 3225554.25%45.75%
Respondent role
Individual Contributor66725137.63% of 66710858.96%41.04%
Engagement Manager15021.33% of 150220
Portfolio Director3100.00% of 31000
Customer Management Executive200 of 2000
Vendor type
IT services major3169730.70% of 3164152.58%47.42%
BPO specialist1986130.81% of 1982970.49%29.51%
Consulting firm1172924.79% of 1171555.17%44.83%
Boutique or specialist provider871921.84% of 871036.84%63.16%
Pure-play agentic AI firm752330.67% of 751182.61%17.39%
Not reported, recovered by engagement572442.11% of 572158.33%41.67%

Each share is computed on the respondents who answered in that row. Rows with fewer than 10 respondents report counts only.

Tests of Difference Between Segments

Table 7. Tests of difference between segmentsTable
Segment familyUnitChi-squaredfpHolm pCramer's VTest for pLevels excluded
Outsourcing modelEngagement4.1530.2460.9630.21chi-squareNone
Institution typeEngagement0.7530.8631.0000.12Monte Carlo, simulatedb
Process familyEngagement2.2430.5321.0000.18Monte Carlo, simulatedc
Class of workEngagement1.3810.2410.9630.12chi-squareNone
Engagement status and lifecycle stageEngagement7.4730.0580.2890.28Monte Carlo, simulatedNone
Respondent roleRespondentaEngagement Manager, n = 2, Portfolio Director, n = 0, Customer Management Executive, n = 0
Vendor typeRespondent14.3450.0140.0810.24chi-squareNone
Note: a Not tested: fewer than two levels of 10 or more engagements. b Levels excluded: Commercial and business banking, n = 6, Payments and merchant acquiring (networks, acquiring, processing), n = 7, Credit card and payments issuing, n = 9, Retail and consumer banking, n = 6, Markets and trading (sales and trading, global markets), n = 7, Private equity and private capital, n = 5. c Levels excluded: Payments, cards and disputes, n = 8, Credit, underwriting and suitability, n = 3, Regulatory, audit, tax and legal, n = 5, Financial crime and client onboarding, n = 6.

Segment families recorded at engagement level were tested on engagements, and respondent role and vendor type on respondents. The share answering True did not differ by any segment family after Holm correction.

Written Sentiment by Segment

Figure 3. Written sentiment by engagement status and lifecycle stage, share of each group's responsesExhibit
0%25%50%75%100%All responses (n = 95)24.2%62.1%Active, Build-Out (n = 16)18.8%68.8%12.5%Active, Transition/Cut-Over (n = 19)21.1%68.4%Active, Production (n = 10)10.0%70.0%20.0%Canceled (n = 50)30.0%56.0%−10 Strongly negative−5 Negative0 Neutral+5 Positive+10 Strongly positive
Note: Each bar is the whole of its group's responses, divided by written score from −10 at the left to +10 at the right. Segments large enough to hold a label carry their share.
Table 8. Written sentiment by segmentTable
SegmentResponsesRespondentsEngagementsMean written scoreNegativeStrongest negative (−10)
Engagement status and lifecycle stage
Active, Build-Out1616112.83 of 16 (18.75%)3 of 16 (18.75%)
Active, Transition/Cut-Over1919151.65 of 19 (26.32%)4 of 19 (21.05%)
Active, Production101074.51 of 10 (10.00%)1 of 10 (10.00%)
Canceled5050280.217 of 50 (34.00%)15 of 50 (30.00%)
Respondent role
Individual Contributor9393601.326 of 93 (27.96%)23 of 93 (24.73%)
Engagement Manager222‡0 of 20 of 2
Portfolio Director000No responses
Customer Management Executive000No responses
Note: ‡ Base under 10. No statistic is reported.

Written sentiment did not differ by engagement status and lifecycle stage across the 61 engagements with a written response (Kruskal-Wallis H 5.74, df 3, p = 0.125). Of the groups with 10 or more responses, responses from canceled engagements were the most negative (mean 0.2, 50 responses) and responses from active engagements in Production the least negative (mean 4.5, 10 responses).

No test across respondent roles was run, because fewer than two roles had 30 or more written responses. Individual contributors wrote 93 responses, engagement managers 2.

Association with Cancellation Rate

Cancellation rate is the share of engagements canceled by the study date, measured at engagement level (150 engagements, 56 canceled). Canceled engagements were rated after cancellation. The association is therefore a descriptive contrast and not a forecast of cancellation. Each test compares the engagements by their assigned answer, within the study set and within each segment.

Table 9. Association with cancellation rate by answer levelTable
Answer levelEngagementsCanceledCancellation rate
Yes572849.12%
No362363.89%
I prefer to not answer41‡
Note: ‡ Base under 10. No statistic is reported.
Table 10. Association with cancellation rate, tests across answer levels by segmentTable
SegmentEngagementsChi-squaredfpHolm pCramer's VTest for p
Study set931.9410.1630.6540.14chi-square
Outsourcing model
CXM240.1710.6821.0000.08chi-square
ITO276.7510.0090.0560.50chi-square
BPO22a
KPO21a
Institution type
Asset management20a
Wealth management and private banking11a
Investment banking (advisory and capital-markets origination)14a
Insurance (life, property and casualty, health)10a
Commercial and business banking7‡
Payments and merchant acquiring (networks, acquiring, processing)7‡
Credit card and payments issuing9‡
Retail and consumer banking6‡
Markets and trading (sales and trading, global markets)7‡
Private equity and private capital6‡
Process family
Corporate and back-office functions28a
Technology engineering and operations201.8210.3701.0000.30Fisher exact
Client servicing and communications12a
Trade, settlement and reconciliation11a
Payments, cards and disputes8‡
Credit, underwriting and suitability4‡
Regulatory, audit, tax and legal5‡
Financial crime and client onboarding6‡
Class of work
LOB Operational512.5310.1110.5570.22chi-square
Corporate Functional420.1410.7111.0000.06chi-square
Engagement status and lifecycle stage
Active, Build-Outb
Active, Transition/Cut-Overb
Active, Productionb
Canceledb
Note: ‡ Base under 10. No statistic is reported. a Not tested: fewer than two levels of 10 or more engagements. b Not tested: no variation in cancellation.

Of the engagements whose respondents most often answered True, 28 of 57 (49.12%) were canceled, against 23 of 36 (63.89%) of those whose respondents most often answered False (chi-square 1.94, p = 0.163, Cramer's V 0.14, n = 93 engagements). The difference did not reach significance.

Association with Customer Satisfaction

Customer satisfaction is the percentage recorded against each engagement. The primary estimate uses the 94 active engagements.

Table 11. Association with customer satisfaction by answer levelTable
Answer levelEngagementsMean of the measureSD
Yes2963.312.4
No1357.56.9
I prefer to not answer3‡
Note: ‡ Base under 10. No statistic is reported.
Table 12. Association with customer satisfaction, tests across answer levels by segmentTable
SegmentEngagementsWelch FdfpHolm pOmega squared90% CI
Study set423.671, 38.00.0630.0630.0330.000 to 0.197
Outsourcing model
CXM11a
ITO14a
BPO11a
KPO9‡
Institution type
Asset management8‡
Wealth management and private banking4‡
Investment banking (advisory and capital-markets origination)5‡
Insurance (life, property and casualty, health)6‡
Commercial and business banking4‡
Payments and merchant acquiring (networks, acquiring, processing)4‡
Credit card and payments issuing4‡
Retail and consumer banking2‡
Markets and trading (sales and trading, global markets)4‡
Private equity and private capital4‡
Process family
Corporate and back-office functions11a
Technology engineering and operations13a
Client servicing and communications5‡
Trade, settlement and reconciliation3‡
Payments, cards and disputes6‡
Credit, underwriting and suitability3‡
Regulatory, audit, tax and legal1‡
Financial crime and client onboarding3‡
Class of work
LOB Operational24a
Corporate Functional21a
Engagement status and lifecycle stage
Active, Build-Out16a
Active, Transition/Cut-Over18a
Active, Production11a
Canceledb
Note: ‡ Base under 10. No statistic is reported. a Not tested: fewer than two levels of 10 or more engagements. b Not tested: canceled engagements fall outside the active population.

Among active engagements, customer satisfaction had a mean of 63.3% (n = 29 engagements) where respondents most often answered True and 57.5% (n = 13 engagements) where they most often answered False (Welch F 3.67, p = 0.063, omega squared 0.033, n = 42 engagements). The difference did not reach significance.

Association with the Engagement Indicator Mean

The engagement indicator mean is the mean of an engagement's ratings across the rated indicators, measured at engagement level. The indicator is not a rated indicator and does not enter the mean.

Table 13. Association with the engagement indicator mean by answer levelTable
Answer levelEngagementsMean of the measureSD
Yes573.61.4
No363.21.0
I prefer to not answer4‡
Note: ‡ Base under 10. No statistic is reported.
Table 14. Association with the engagement indicator mean, tests across answer levels by segmentTable
SegmentEngagementsWelch FdfpHolm pOmega squared90% CI
Study set933.131, 89.20.0800.4010.0180.000 to 0.105
Outsourcing model
CXM241.261, 17.90.2770.8320.011†
ITO278.951, 23.00.0070.0460.205†
BPO22a
KPO21a
Institution type
Asset management20a
Wealth management and private banking11a
Investment banking (advisory and capital-markets origination)14a
Insurance (life, property and casualty, health)10a
Commercial and business banking7‡
Payments and merchant acquiring (networks, acquiring, processing)7‡
Credit card and payments issuing9‡
Retail and consumer banking6‡
Markets and trading (sales and trading, global markets)7‡
Private equity and private capital6‡
Process family
Corporate and back-office functions28a
Technology engineering and operations206.921, 15.30.0190.1120.228†
Client servicing and communications12a
Trade, settlement and reconciliation11a
Payments, cards and disputes8‡
Credit, underwriting and suitability4‡
Regulatory, audit, tax and legal5‡
Financial crime and client onboarding6‡
Class of work
LOB Operational512.751, 40.60.1050.4190.0250.000 to 0.165
Corporate Functional420.751, 38.50.3920.832−0.0070.000 to 0.127
Engagement status and lifecycle stage
Active, Build-Out16a
Active, Transition/Cut-Over18a
Active, Production11a
Canceled510.391, 42.50.5380.832−0.0120.000 to 0.091
Note: † Base under 30. No interval is reported. ‡ Base under 10. No statistic is reported. a Not tested: fewer than two levels of 10 or more engagements.

The engagement indicator mean was 3.6 (n = 57 engagements) on engagements whose respondents most often answered True and 3.2 (n = 36 engagements) on those whose respondents most often answered False (Welch F 3.13, p = 0.080, omega squared 0.018, n = 93 engagements). The difference did not reach significance.

Association with Intent to Leave

Intent to leave is the answer to C019, “How likely are you to leave your current job in the next 12 months?”, rated 1 to 10 by up to 798 respondents. For the indicator, the comparison uses the mean intent to leave of each engagement.

Table 15. Association with intent to leave by answer levelTable
Answer levelEngagementsMean of the measureSD
Yes577.32.3
No368.01.8
I prefer to not answer4‡
Note: ‡ Base under 10. No statistic is reported.
Table 16. Association with intent to leave, tests across answer levels by segmentTable
SegmentEngagementsWelch FdfpHolm pOmega squared90% CI
Study set932.321, 85.90.1310.7880.0120.000 to 0.094
Outsourcing model
CXM240.211, 22.00.6550.960−0.034†
ITO273.891, 24.70.0600.4200.088†
BPO22a
KPO21a
Institution type
Asset management20a
Wealth management and private banking11a
Investment banking (advisory and capital-markets origination)14a
Insurance (life, property and casualty, health)10a
Commercial and business banking7‡
Payments and merchant acquiring (networks, acquiring, processing)7‡
Credit card and payments issuing9‡
Retail and consumer banking6‡
Markets and trading (sales and trading, global markets)7‡
Private equity and private capital6‡
Process family
Corporate and back-office functions28a
Technology engineering and operations201.751, 17.50.2030.9600.036†
Client servicing and communications12a
Trade, settlement and reconciliation11a
Payments, cards and disputes8‡
Credit, underwriting and suitability4‡
Regulatory, audit, tax and legal5‡
Financial crime and client onboarding6‡
Class of work
LOB Operational511.761, 38.80.1920.9600.0100.000 to 0.141
Corporate Functional420.631, 40.00.4330.960−0.0100.000 to 0.122
Engagement status and lifecycle stage
Active, Build-Out16a
Active, Transition/Cut-Over18a
Active, Production11a
Canceled511.241, 39.70.2720.9600.0060.000 to 0.133
Note: † Base under 30. No interval is reported. ‡ Base under 10. No statistic is reported. a Not tested: fewer than two levels of 10 or more engagements.

The engagement mean of intent to leave was 7.3 (n = 57 engagements) on engagements whose respondents most often answered True and 8.0 (n = 36 engagements) on those whose respondents most often answered False (Welch F 2.32, p = 0.131, omega squared 0.012, n = 93 engagements). The difference did not reach significance.

Association of Written Sentiment with the Study Measures

Table 17. Written sentiment and the study measuresTable
ComparisonWith a negative responseWithout a negative responseTestStatisticnp
Cancellation rate, engagements15 of 23 (65.22%)41 of 127 (32.28%)Fisher exact1500.004
Customer satisfaction, active engagementsn = 864.66%, n = 86‡94
Engagement mean written score and cancellation, engagementsPoint-biserial r−0.25610.050
Respondent mean written score and intent to leave, respondentsSpearman rho−0.16900.121
Note: ‡ Base under 10. No statistic is reported.

Two comparisons set the engagements with at least one negative response against all other engagements. Of the 127 other engagements, 89 had no written response addressing the indicator. These two comparisons therefore do not isolate written sentiment. Of the 23 engagements with a negative response, 15 (65.22%) were canceled, against 41 of the 127 other engagements (32.28%). The difference reached significance (Fisher exact p = 0.004). The comparison of customer satisfaction was not computed, because one of the two groups held too few active engagements.

Two correlations test written sentiment directly. Across the 61 engagements with a written response, the engagement mean written score was not associated with cancellation (point-biserial r −0.25, p = 0.050). Across 90 respondents, the respondent mean written score was not associated with intent to leave (Spearman rho −0.16, p = 0.121). Of the three comparisons, one reached significance at 0.05.

Comparison of Associations Across the Four Measures

Table 18. Associations across the four measuresTable
MeasureEffect sizenValuepEquivalent to zeroRank among the four
Cancellation rateOmega squared, 0 or 1 flag930.0100.163No4
Customer satisfactionOmega squared420.0330.063No1
Engagement indicator meanOmega squared930.0180.080No2
Intent to leaveOmega squared930.0120.131No3

Steiger's z compares two correlations. A categorical indicator yields an effect size across its levels and not a correlation, so the pairs of measures were not compared by test. On omega squared, the association was strongest with customer satisfaction (0.033) and weakest with cancellation (0.010).

Clustering and Effective Sample Size

Table 19. Clustering and effective sample sizeTable
StatisticValueReading
Clusters (engagements)108Engagements with one or more answers.
Mean respondents per engagement2.5Answers per engagement, among engagements with one or more answers.
ICC(1)0.39Share of the variance that lies between engagements.
Design effect1.59One plus the product of the ICC and the mean cluster size less one.
Nominal respondent n270Every answer, with “I do not know” and “I prefer to not answer” counted as levels, as in the plurality rule.
Effective n170Nominal n divided by the design effect.
Cluster bootstrap appliedYesApplied to every respondent-level interval where the ICC is 0.05 or above.

Answers clustered within engagements (ICC 0.39). Clustering reduced the 270 respondent answers to the equivalent of about 170 independent answers. Respondent-level intervals therefore used the cluster bootstrap. Respondent-level tests used standard errors that allow for clustering by engagement.

Equivalence Tests of Null Results

Table 20. Equivalence tests of null resultsTable
MeasurenOmega squaredEquivalence boundEquivalence pEquivalent to zeroAchieved powerMDE at power 0.80
Cancellation rate930.010Omega squared < 0.0900.051No0.850.079
Customer satisfaction420.033Omega squared < 0.0900.313No0.510.164
Engagement indicator mean930.018Omega squared < 0.0900.084No0.850.079
Intent to leave930.012Omega squared < 0.0900.057No0.850.079

No association tested was equivalent to zero. The equivalence bound is an omega squared of 0.090, the study's threshold for a negligible association expressed as variance explained.

Robustness Checks

Table 21. Robustness checksTable
CheckMeasurePrimary pCheck pCheck statisticConclusion holds
Kruskal-Wallis in place of Welch FCustomer satisfaction0.0630.1871.74Yes
Kruskal-Wallis in place of Welch FEngagement indicator mean0.0800.1771.82Yes
Kruskal-Wallis in place of Welch FIntent to leave0.1310.3900.74Yes
Active engagements onlyEngagement indicator mean0.0800.0863.14Yes
Active engagements onlyIntent to leave0.1310.3620.86Yes
Respondent level, cluster-robust Wald F by engagementCancellation rate0.1630.1362.26Yes
Respondent level, cluster-robust Wald F by engagementCustomer satisfaction0.0630.0663.44Yes
Respondent level, cluster-robust Wald F by engagementEngagement indicator mean0.080< 0.00118.26No
Respondent level, cluster-robust Wald F by engagementIntent to leave0.1310.0136.38No

Seven of the nine checks computed held. A check holds when its test falls on the same side of 0.05 as the primary test. The checks replace Welch's F with a Kruskal-Wallis test, repeat the tests on active engagements alone, and repeat them at respondent level with a Wald F clustered by engagement.

Two checks failed. The respondent-level clustered check for the engagement indicator mean gave p < 0.001, against p = 0.080 for the primary test. The respondent-level clustered check for intent to leave gave p = 0.013, against p = 0.131 for the primary test.

Measure Independence and Part-Whole Correction

Each of the four measures was computed from data the indicator does not contain. Each result is therefore a finding and not an arithmetic consequence.

Comparison with the Study Norm

A categorical indicator has no signed correlation with the study measures and therefore no profile against the study norm. The comparison by answer appears in the four association sections.

Comparison of Written Sentiment with Other Part 5 Indicators

Figure 4. Share of negative written responses, Part 5 indicators with 30 or more written responses (n = 13 indicators)Exhibit
0%25%50%75%100%C052C053C209C205C203C199C211C201C213C207C212C200C206Share of negative responsesMedian of the 13 indicators
Note: Each column is one indicator, ordered from the highest share of negative responses. The indicator is the amber column. The dashed line marks the median share, 98.03%.

Among the 13 Part 5 indicators with 30 or more written responses, the indicator's share of negative responses, 27.37%, ranked 11th from the highest, against a median of 98.03%. Its mean written score, 1.4, ranked 11th from the most negative, against a median of −6.3.

Co-Occurring Indicators and Themes

Figure 5. Other indicators and themes in the same written responses (n = 95 responses)Exhibit
020.1640.3260.4880.64Theme: Told vendor-side management72 (75.79%)C21154 (56.84%)C15751 (53.68%)C21345 (47.37%)Theme: Human rework absorbs thefailure45 (47.37%)Theme: Financial institution was nottold28 (29.47%)Theme: Occurs every cycle or most days22 (23.16%)Theme: Stated periodic rate21 (22.11%)C15916 (16.84%)C2158 (8.42%)Other indicatorsThemes
Note: Themes carry no score. Labels give the count and the share of the 95 responses. The figure shows each indicator and each theme among the five most frequent of its kind, with every tie at the cut. C211: “I have altered AI outputs” C157: “Rate the factual reliability of the AI tools' outputs on this engagement before any human review.” C213: “I or my management discussed AI output alteration with the client” C159: “Rate the consistency of the tools' outputs when given the same input and instructions more than once.” C215: “My greater team regularly alters AI outputs.” Emotional states in the same responses, as counts: resigned 7, calm or fine 5, tired 4, frustrated 4, stressed 3, proud 1.

The indicator most often present in the same responses was C211, “I have altered AI outputs”, in 54 of the 95 responses (56.84%). C157, “Rate the factual reliability of the AI tools' outputs on this engagement before any human review.” (51 responses), C213, “I or my management discussed AI output alteration with the client” (45 responses), C159, “Rate the consistency of the tools' outputs when given the same input and instructions more than once.” (16 responses) and C215, “My greater team regularly alters AI outputs.” (8 responses) followed.

The most frequent theme was “Told vendor-side management”, in 72 responses (75.79%). The second was “Human rework absorbs the failure”, in 45 responses.

Interpretation of the Data

Of the respondents who answered, 59.29% said they had discussed the AI output alteration with internal management. At engagement level, the answer was not associated with any of the four study measures. Two of the respondent-level clustered checks, for the engagement indicator mean and for intent to leave, reached significance where the engagement-level tests did not, so the absence of an association did not hold at respondent level.

The written evidence describes disclosure that stopped inside the vendor. Respondents who discussed the alteration told the team lead or manager, and few responses said the financial institution had been told. Respondents who told no one described the same corrections made in silence, some because raising it had changed nothing or would mean a hard conversation with their own manager.

Limitations

The evidence is the reported experience of the vendor's delivery teams, collected in a single cross-section. The associations reported here are not causal. The answer is the respondent's own report of an alteration and not a record of it.

Each engagement carries the answer given by the largest number of its respondents, and tied engagements are excluded from the engagement-level tests.

Shares of written sentiment are shares of responses and not of the study set of respondents. The written score takes five fixed values, so its mean and median are coarse. Responses clustered within engagements (95 responses on 61 engagements). Intervals for written sentiment therefore used a bootstrap by engagement.

The written responses are counted by sets of words stated in each rule. A response that described a practice in other words is not counted, so each count is a floor.

Definitions

Table 22. DefinitionsTable
TermDefinition
Response scaleThe answer is True or False to the statement shown in the indicator specification. The indicator is not a rating. No distressed range applies.
Answering baseRespondents who answered True or False.
Non-answers“I do not know” and “I prefer to not answer” are counted separately. They are excluded from the answering base and from the shares.
Indicator classRespondent level: a report of the respondent's own action. Each engagement also carries the answer given by the largest number of its respondents, for the engagement-level tests.
Failure categoryThe five failure categories of the Study Taxonomy apply only to the rated indicators. The indicator carries none.
Engagement indicator meanThe mean of an engagement's ratings across the rated indicators. The indicator does not enter it.
Written responseA written answer about the respondent's own engagement that addresses the indicator. Non-answers and answers about another engagement are excluded.
Primary and secondaryA primary response answered the written-answer question of the indicator's survey section. A secondary response answered a question in another section and addressed the indicator in its content.
Written sentiment scoreEach written response carries one of five scores: −10, −5, neutral, +5 or +10. The sign records whether the response described the state of the indicator as harmful or helpful to the engagement. The magnitude records its strength. A score of −10 marks a statement of totality, constancy or serious harm.
Cluster bootstrapAn interval computed by resampling engagements rather than responses, so that the responses from one engagement stay together.

Sources and Provenance

Table 23. Sources and provenanceTable
SourceValue
Study dataStudy Data.xlsx, Data sheet, column C212, sha256 219eba0457274d04
Statistics enginecompute_statistics.py, sha256 738319eef764602b
Statistics recordComputed Statistics.json, record C212, sha256 1ae50a3637fc9370
ComputedOctober 13, 2026, 04:57 UTC
TemplateIndicator Template v2, version 2.0 of 10 October 2026
Figures placed by script1,035
Written responsesQuotes Master.jsonl, sha256 27da38085e2b13fd
Written sentiment scoresQuote Coding Rulebook, version 0.6, with section 21
Written-response computationqa_stats.py, sha256 74a61f3a96169da9. wfacts.py, sha256 b85fae20adf812a1. build_indicator.py, sha256 c7b10c57927ea734
Written-response recordsC212.qa.json, sha256 34050bd90aefe27d. C212.wfacts.json, sha256 73d6eeb60d91eabb. Hand-written text handcraft/C212.json, sha256 cacda286674b39c2

Continue the report

Executive summary →
Overview

Executive Summary

Four findings from 150 engagements

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Introduction

Introduction

Scope, evidence, and how the report is organized

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Part 1

Engagement Outcomes

Poor results on every measure, and what separates them

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Part 2

The Five Failure Categories

Where failure concentrates, category by category

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Part 3

Governance, Oversight, and Control

Controls that existed in name only

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Part 4

The Delivery Workforce

Early in their careers, dissatisfied, and many intending to leave

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Part 5

Manual Alteration

How the delivery team altered the work to sustain it

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Part 6

Executive Action Plan

Seven immediate actions and a first-year plan

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Appendices

Appendices

Definitions, indicator inventory, method, and disclosures

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Data

Study Data

Deep-dive analyses of the study indicators, published in stages

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