#TECHVISION2020 While previous XR devices might only know that something process of an AI system, so that people can fine-tune it or Once enterprises enable the full scope of human-AI exists in the field of vision, the HoloLens 2 identifies an object correct biases as needed. The growing field of explainable collaboration, they can jump on the new opportunity before and understands what that object is: for instance, a couch is AI is letting humans de-mystify the output of previously “black- them—employing AI to reimagine everything: from the way not just a series of pixels, but something that can be sat on box” AI systems—even if the AI wasn’t designed to explain its their organizations are structured, to the way they approach and belongs in a living room. This contextual understanding decision-making process. work, to the value their enterprise creates. of the environment unlocks new capabilities for the device, like being able to identify dangerous equipment and warn the Work at Accenture Labs demonstrates this using data from 27 wearer if the equipment is operating hazardously. Perhaps the loan applications. If an applicant is denied a loan, the system technology could, one day, alert novice adjusters to damage in explains the reasons for the denial and offers the smallest a home during an inspection after a hurricane. number of changes the applicant would need to make to have the application approved, such as having more cash on hand 28 Collaboration can’t just be one-way; insurance companies or increasing annual income. In insurance, explainable AI must complete the feedback loop and build the capabilities should be able to tell a person why their claim was flagged that allow humans to better understand machines. True as potentially fraudulent or the reason for an unexpected iteration will require understanding the decision-making premium hike. By structuring their organizations with human and machine collaboration at the core, insurance pioneers are already positioning AI to be a driver of change. Technology Vision for Insurance 2020 | We, the Post-Digital People 27