Facebook Twitter Linkedin Instagram Youtube
Facebook Twitter Linkedin Instagram Youtube

The Invisible Bill: Governing the Hidden Costs and Compliance Risks of Agentic AI

The Research Note examines the hidden costs, governance challenges and compliance risks of Agentic AI, proposing a framework for responsible adoption.

TITLE The Invisible Bill: Governing the Hidden Costs and Compliance Risks of Agentic AI
PUBLICATION MIB Trieste - Research Note
SUBJECT Insurance
DATE July 2026
AUTHOR Leonardo Felician
DOI /
This Research Note examines the hidden economic, governance, and compliance risks emerging from the adoption of Agentic AI. It explores how token-based consumption and autonomous agentic workflows can generate unpredictable costs, while increasingly opaque decision processes create challenges for auditability, accountability, and regulatory compliance. In response, the paper introduces the Proportional AI Architecture framework, advocating the selective use of AI where uncertainty genuinely requires intelligence, while keeping other processes deterministic and controllable. It also considers a new role for Internal Audit in supporting responsible AI governance.

This Research Note is published by MIB Trieste School of Management.

Copyright © 2026 by Leonardo Felician
All rights reserved


ACCESS FULL RESEARCH
Leonardo Felician

Leonardo Felician - Core Faculty

With a long insurance experience as top manager in insurance companies, Leonardo Felician is the founder, CEO and "guru" of Direct Motor Insurance in Italy.
Passionate for profitable growth and serving Customers, winner of several Customer Satisfaction Awards, he is a restless, rebel and disruptive innovator and now is the head of BeRebel.it

He is Professor of Data Science for Insurance at University of Trieste, Italy and Insurance Management at BBS-Bologna Business School. At MIB Trieste School of Management he is lecturer of the Big Data Management.

Leonardo is author of several textbooks on insurance and IT and hundreds of articles about IT and Management. He is a keynote speaker in international conferences, with experience in a dozen of different countries and five languages.

ACCREDITATIONS

ASFOR ASSOCIATION OF AMBAS EFMD EPAS
edit

risorsa