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Cultivated AI

Grow, don't Chase.

Cultivated AI · Grow, don't Chase.
01 · Cover

We train business leaders to shape AI adoption in their teams, without depending on vendors who don't understand your business.

Cultivated AI · Grow, don't Chase.
02 · Positioning

Licensing isn't adoption.

  • Companies are spending heavily on AI tools their teams aren't using.
  • Meanwhile, individuals can't get the tools they actually want approved by IT.
  • Critically, there's no plan for the AI advances that landed yesterday, ship today, and arrive six months from now.
Cultivated AI · Grow, don't Chase.
03 · Licensing

The two failure modes happening too often.

Under-adoption

Microsoft Copilot

~5% scaled.

Gartner: ~40% of enterprises piloting Copilot, only ~5% have scaled it. Tens of millions of paid seats. Most sit unused. Licensing isn't adoption.

Over-replacement

Klarna

Walked it back.

2024: replaced customer service with AI. May 2025: CEO publicly walked it back. Now hybrid: AI handles routine, humans handle empathy. Replacement isn't adoption either.

Cultivated AI is the path between.

Cultivated AI · Grow, don't Chase.
04 · Failure modes

The ground is moving anyway.

01

Your competitors are quietly redesigning around AI.

02

Your buyers and partners are modelling your business better than you can model theirs.

03

The unit economics of your category are shifting under you.

Cultivated AI · Grow, don't Chase.
05 · Ground
The most accountable money on earth

NBIM.

Norway's sovereign wealth fund. The world's largest. Public accountability. Fiduciary duty. ~$2.1 trillion AUM.

This is not a tech company. This is not a startup. This is the most scrutinised pool of money on the planet, and they are all in. If they cannot afford to wait, your business cannot either.

213,000 hrs

Saved per year. 600+ staff using Claude weekly. ~20% productivity gains.

"If you don't use it, you will never be promoted."

— Nicolai Tangen, CEO, NBIM

Cultivated AI · Grow, don't Chase.
06 · NBIM
Case study · all in

Ramp.

$22B fintech. ~1,200 people. The CPO published a public mandate.

"If you're not using Claude Code this year, no matter your role, you're underperforming. The people still in L0 will most likely not be at the company." Geoff Charles, CPO · April 2026
99.5% of ~1,200 employees are weekly AI users.
~30% of merged PRs written by their internal coding agent.
The ladder Ramp measures everyone on
  1. L0
    Occasional chat.

    "Tried it once."

  2. L1
    Daily basics.

    Drafts. Quick answers.

  3. L2
    Embedded in workflow.

    3+ AI-assisted tasks daily.

  4. L3
    Systems do the work.

    Agents run, humans direct.

Ramp didn't license a tool. They built a principle, and held the company to it.

Cultivated AI · Grow, don't Chase.
07 · Ramp

The leaders winning learned to think clearly.

About AI, in the context of their own business. With principles that hold up as the tools change.

01

What to deploy.

02

What to ignore.

03

Where it fits.

04

Where it doesn't.

Cultivated AI · Grow, don't Chase.
08 · The winners

Cultivated AI

Stage 1

Approach

15 principles to get the most out of AI.

Stage 2

Distillation

SOPs become AI playbooks.

Stage 3

Compounding

Best playbooks spread company-wide.

Stage 4

Simulation

Synthetic environments for strategy and training.

Format
Six sessions, two hours each, over six weeks.
Cohort
Up to fifteen leaders from the same company.
Takeaway
Each leader leaves with a personalised 90-day AI adoption plan that puts all four stages to work.
Cultivated AI · Grow, don't Chase.
09 · Cultivated AI
01
Stage 1

Approach.

Priya, Head of Credit. She has completed Stage 1. This is how she now thinks.

  1. Plan for the AI of tomorrow, not the LOS plug-in of today.
  2. Ask AI to ask you the questions before you underwrite the borrower.
  3. Ask AI for help with AI. Choosing tools, not just using them.
  4. Cross-check answers with another AI before they go in the credit memo.

Priya is working on a Bureau Read Rubric →

Cultivated AI · Grow, don't Chase.
10 · Approach · Priya
02
Stage 2

Distillation.

What was between Priya's ears now runs as agentic AI, at scale, in her voice. These are her first five playbooks.

  1. Credit Memo Drafter.
  2. Bank Statement Triangulator.
  3. Bureau Report Reader.
  4. Policy-Deviation Note.
  5. Sanction Letter Composer.

These spread to her cohort next →

Cultivated AI · Grow, don't Chase.
11 · Distillation · Priya
03
Stage 3

Compounding.

Priya inherits the cohort's playbooks. She didn't write them, but she runs them daily via AI.

  1. Collections' delinquency call-brief.
  2. Risk's early-warning signal scan.
  3. Operations' file-completeness check.

Her own playbooks are proliferating outward, too →

Cultivated AI · Grow, don't Chase.
12 · Compounding · Priya
04
Stage 4

Simulation.

Priya uses synthetic AI environments for strategy, preparation, and training. Her own, and her team's.

  1. Borrower interview rehearsals against AI counterparties.
  2. Portfolio stress scenarios for credit-policy review.
  3. RBI inspection dry-runs before audit week.
  4. Branch fraud-pattern drills with her direct reports.
  5. Onboarding simulations for new credit officers.

Unlocks that simply weren't possible without AI →

Cultivated AI · Grow, don't Chase.
13 · Simulation · Priya

Resilient pipelines are built by cultivating the approach, not chasing technology.

Cultivated AI · Grow, don't Chase.
14 · Thesis

Cultivated AI

Grow, don't Chase.

shalin@masalagames.com

Cultivated AI · Grow, don't Chase.
15 · Fin