BROKERAGE HOUSE BOSSA
CEO AI Immersion Workshop | 2 × 4-Hour Online Sessions | 2026
DM BOS S.A. (Brokerage House Bossa), a stock exchanged-listed investment brokerage, partnered with SkuzaAI in 2026 to build board-level AI strategy competency. Arek Skuza delivered a 2-day online CEO AI Immersion workshop, enabling Bossa’s board to establish an AI Strategy Transformation Committee and a structured 3-tier AI implementation roadmap.
As board members, we highly rate the 2-day online training “AI as a Strategic Tool for the Board” led by Arek Skuza, in which members of our board participated. The program was very well grounded in business realities and the specifics of the financial market, and the facilitator clearly and engagingly combined a strategic perspective with practical AI applications — from competitive analysis and market benchmarks to specific implementation scenarios and quick initiatives with measurable business impact. Particularly valuable was the transition from concept to action and the structured approach to AI at the decision-making level. The training not only broadened our knowledge but genuinely inspired us to take concrete actions within the organization. We can wholeheartedly recommend both this training and Arek Skuza as a competent and inspiring AI specialist.
The Challenge
Turning Knowledge into Strategy
Bossa’s board sought to translate growing AI awareness into a structured strategy — a challenge shared by 66% of boards globally, which still have “limited to no knowledge or experience” with AI. (Deloitte Global Boardroom Program 2025).
Misallocated Time
95% of board office time is consumed by repetitive administrative tasks — meeting logistics, minutes, compliance tracking — leaving only 5% for strategic work.
EU AI Act Compliance
EU AI Act high-risk classification for financial scoring systems approaching full enforcement (August 2026), with regulatory penalties up to €35M or 7% of global turnover.
The Approach
This systematic approach aimed to target the AI challenges that Bossa was experiencing:
Customized Workshop
Arek Skuza designed and delivered a 2-day online “AI as a Strategic Tool for the Board” workshop covering the 7-Level AI Productivity Model, AI agent architecture, and the competitive AI landscape of Polish capital markets.
Hands-On Demonstrations
SkuzaAI facilitated hands-on demonstrations of enterprise AI agent platforms and workflow design frameworks, applied to board-specific use cases: automated meeting documentation, materials preparation, and financial report analysis.
Custom-Made AI Roadmap
SkuzaAI built a custom 3-tier AI roadmap for Bossa:
- Quick Wins (Week 1–2)
- Foundation (Month 1–2)
- Optimization (Month 3–6)
Also included an EU AI Act compliance framework and an AI governance structure.
Committee Established
The workshop enabled Bossa’s board to establish an AI Strategy Transformation Committee to drive ongoing roadmap execution across the organization.
Workshop Agenda
The CEO AI Immersion workshop for Bossa was delivered in 2 days, with each day covering 4 sessions. Each session lasted an hour.
Day 1: AI Strategy and Business Transformation
- Welcome, Workshop Objectives, and Guidelines.
- Interactive Session: Participants’ Expectations and Bossa’s Challenges
- Why Boards are Aware of AI but Haven’t Taken Action Yet
- AI in the Financial Sector — Opportunities and Challenges
Session 2:
- AI on Investment Platforms — Impact on the Customer Experience
- A Detailed Overview of a 7-Level Model of AI Productivity
- Identifying Priority Areas for Bossa
Session 3:
- Data Management as the Foundation of AI
- Strategies for Managing Transactional and Customer Data
- Building a Data Infrastructure for AI
- AI Agents — Anatomy and Applications in Finance
Session 4:
- Case Studies for the Financial Sector
- Security and GDPR — a Decision-Making Framework
- Summary of Day 1 + Exercise
Day 2: AI Implementation and Management
- Day 1 Review
- Practical Applications of AI — Live Demo: Document Analysis with Claude/ChatGPT, NotebookLM, and Personalized Communication
- IT Agent — Demonstration of Applications within the Bossa Organization
Session 2:
- ROI from AI — How to Measure It and What to Report to the Supervisory Board
- AI Implementation Methodology — 7 Steps
- AI Project Management
- Building AI Teams and Competencies — The Role of the AI Lead / CAIO
Session 3:
- The AI Act — What Every Board Needs to Know in 2025/2026
- Regulatory Risk Management — Risk Map
- Key Risk Areas for Financial Institutions
- Board Responsibility for AI Implementation — The Commercial Companies Code (KSH) and The AI Act
Session 4:
- AI Roadmap for Bossa — An Action Plan
- Exercise: My AI Roadmap for Bossa
- Q&A and Next Steps
AI in the Financial Sector — Opportunities and Challenges
This systematic approach aimed to target the AI challenges that Bossa was experiencing:
AI Adoption Is on the Rise
63% of CFOs are actively experimenting with AI in 2024 (Gartner), but only 12% are achieving measurable results. How can you avoid jumping on the bandwagon?
Time Savings
Reduce financial analysis time by 50–70% (McKinsey) — how to maintain consistency and measure results.
Anomaly Detection
AI detects anomalies that are impossible to spot manually. How to use these tools for effective analysis.
Competitive Advantage
McKinsey estimates that generative AI could add $200–340 billion annually to the banking sector — 2.8–4.7% of the industry’s total revenue.
Polish Context
10% of Polish financial firms have implemented generative AI (Capgemini 2025). Polish banks are attacked 1,728 times a week — AI as a defensive shield.
AI on Investment Platforms — What’s Happening in the Market
Key AI applications in the investment industry in 2024 and 2025.
Robo-Advisory and Portfolio Personalization
AI platforms analyze customer behavior and suggest personalized portfolios. A 15% increase in portfolio returns over 3 months.
Algorithmic Trading Dominates
Over 80% of trades on major global exchanges are executed by automated AI systems (2025). Decisions made in milliseconds — without emotion.
AI in Credit Risk Analysis
AI-powered loan processing: 90% increase in accuracy, 70% reduction in processing time. PKO Bank Polski has implemented AI for credit risk analysis.
Morgan Stanley — AI Advisor Assistant
GPT-4 for over 16,000 financial advisors. Access to over 100,000 documents, report summarization. Launched in June 2024.
The Key Question for Bossa
How will AI change the expectations of investment platform customers over the next 24 months? What are XTB, PKO, and mBank doing right now?
7-Step Model: The Path to Productivity with an Impact on KPIs
01. Assistant
AI for writing, summarizing, and translation.
Implementation Time: 1 day
Multiplier: 1.5–3×
02. Analyst
Analysis of documents, data, and financial reports.
Duration: 1 week
Multiplier: 2–4×
03. Researcher
Competitive analysis, market monitoring, NotebookLM.
Duration: 2 weeks
Multiplier: 3–5×
04. Creator
Generating presentations, materials, and communications.
Duration: 1 month
Multiplier: 4–6×
05. Automation Specialist
Process automation, API integrations, workflows.
Duration: 2 months
Multiplier: 5–8×
06. Orchestrator
Managing AI agents, building complex workflows.
Duration: 3–6 months
Multiplier: 8–12×
Guidelines for the Safe Use of AI
Security and GDPR — a decision-making framework for the Bossa Management Board.
GREEN — Secure Immediately
- Transcripts of internal meetings
- Formatting documents without personal data
- Generating agendas and summaries
- Draft minutes from anonymous notes
- Microsoft 365 Copilot, Google Workspace Enterprise
YELLOW — Requires Anonymization or Consent
- Materials containing employee data
- Topics related to NDAs
- Preliminary strategic analyses
RED — Never By External AI
- Content of M&A / merger resolutions
- Personal data of customers and board members
- Information subject to professional secrecy
- Documents containing confidentiality clauses
Enterprise API Compliance
When enterprise API protection is NOT enough
Even the best contract with Microsoft or Google cannot replace a robust internal policy. Pay attention to:
- Personal Data of EU Citizens (GDPR) – Data Protection Impact Assessment (DPIA) and an appropriate Data Processing Agreement required.
- Medical Data (HIPAA) – A separate Business Associate Agreement (BAA) required (BAA).
- Financial and Legal Data – May be subject to restrictions in your own agreements with clients.
- Employees Using Personal AI Accounts – No enterprise-level protection for this data.
Your own agreements with clients – do they include clauses prohibiting the transfer of data to third parties?
Summary: Using AI via enterprise APIs (Azure, Vertex AI, Claude API) is legally equivalent to using any other cloud service—and just as secure, provided your data isn’t subject to specific industry regulations. The key isn’t whether to use AI, but how to do it and which tools to choose.
Roadmap
Based on the AI Navigator Framework, SkuzaAI developed a potential roadmap for AI implementation at Bossa.
Phase 1: Quick Wins
(0–6 months)
- Microsoft Copilot for employees (Analysts, Brokers, Customer Service)
- AI-powered chat on the website and in the app (off-the-shelf SaaS solutions)
- Automation of customer onboarding
→ Goal: Quick internal results, building team competencies
Phase 2: AI for Customers
(6–18 months)
- Media sentiment analysis on the platform (similar to XTB Media Sentiment)
- AI assistant answering questions about the platform and offerings
- Personalized alerts and investment recommendations
→ Goal: Match XTB’s level, stand out from bank-based brokerage houses
Phase 3: Proprietary AI
(18–36 months)
- Predictive models based on proprietary client data
- AI in risk management and compliance (AI Act)
- Integrated investment assistant
→ Goal: Sustainable competitive advantage
Key Principle:
Human-in-the-loop — AI as a decision-support tool, not an autonomous advisor. Compliance with the AI Act and the Polish Financial Supervision Authority from day one.
Implementation Methodology – Principles of Effective AI Implementation
The 7 Phases of the AI Navigator Transformation: A structured, proven process that guides an organization through a complete AI transformation — from analysis to implementation and scaling.
Each phase requires responsibility from a variety of leaders within Bossa. Each role has a clearly defined scope of work — eliminating misunderstandings and accelerating decisions at every stage of the transformation.
Phase 1: Analysis and Diagnosis
Review of the organizational structure, interviews with key stakeholders, audit of IT systems, and data quality.
Roles Responsible: CEO / COO / Executive Board, CTO / IT, HR / Change Manager
Phase 2: Identifying AI Potential
Mapping business processes, identifying areas for automation, and consulting with the IT department.
Roles Responsible: CTO / IT, Business Analyst
Phase 3: Cost-Benefit Analysis
Valuation of AI projects, ROI calculation, estimation of savings, and potential gains.
Roles Responsible: CFO / Finance
Phase 4: Priorities and Implementation Plan
Prioritization of initiatives, strategy development, final report, and presentation to the Board of Directors.
Roles Responsible: CEO / COO / Executive Board, PMO / Project Manager
Phase 5: Implementation Planning
Detailed project plan, change management, employee training program.
Roles Responsible: HR / Change Manager, PMO / Project Manager
Phase 6: Pilot and Prompt Engineering
Pilot implementation, selection of AI models, building a prompt library, and testing solutions.
Roles Responsible: CTO / IT, AI Engineer / Data Scientist
Phase 7: Implementation and Scaling
Full system integration, performance monitoring, scaling solutions, and establishing an AI Center of Excellence.
Roles Responsible: CEO / COO / Executive Board, CTO / IT, AI Ops Manager
Organizational Models for Knowledge Acquisition
3 main approaches to implementing AI in manufacturing:
Hybrid Model
External Partners + Internal Team: Collaboration with experienced partners while simultaneously building internal capabilities.
Federation / Hub-and-Spoke
A central hub (CoE) sets standards, platforms, and playbooks, but the “spokes” (local teams in plants/functions) implement use cases close to the business.
Centralized Center of Excellence (CoE)
A dedicated AI unit managing strategy, standards, and implementations across the organization.
- Quick access to the latest technologies and expertise
- Ability for internal teams to focus on domain knowledge and integration
- Knowledge transfer from the partner to the organization
- Scalability while maintaining proximity to production processes
- Local teams understand the context and can iterate quickly
- Replication of proven use cases across facilities
- Consistent vision and governance
- Effective development of competencies and reusable solutions
- Easy sharing of knowledge and best practices
- Risk of vendor lock-in
- Higher costs in the long term
- Need for a clear division of responsibilities
- Need for strong coordination and shared platforms
- Risk of duplication of effort without proper playbooking
- Risk of an “ivory tower” – detachment from production reality
- Potential backlogs and bottlenecks in project execution
EU AI Act — What Every Board Needs to Know
The AI Act’s four risk categories:
1. Prohibited
Manipulative AI systems, dark patterns, social scoring — completely banned starting February 2025.
2. High Risk
Customer scoring affecting financial services — requires compliance and human oversight. BOSSA: investment customer scoring → high-risk category.
3. Limited Risk
Chatbots must disclose that they are AI. AI-generated content must be labeled.
4. Minimal Risk
Basic recommendation systems, filters, internal analysis tools.
Practical steps for Bossa:
- Map all AI tools in use by risk category.
- Require compliance documentation from AI vendors.
- Include AI Act clauses in contracts with technology vendors.
AI Act — Timeline and Penalties
EU AI Act (REGULATION 2024/1689)
August 1, 2024
The AI Act enters into force.
February 2, 2025
Bans on the use of unsafe AI systems take effect in the EU.
August 2, 2025
Requirements for general-purpose AI models + mandatory AI literacy.
August 2, 2026
Full implementation — high-risk systems (finance, recruitment, infrastructure).
August 2, 2027
Additional requirements for selected systems.
Maximum Fine
Up to €35 million or 7% of global turnover — for violations of prohibited AI practices.
Administrative Fine
Up to €15 million or 3% of turnover — for administrative violations of the AI Act.
For the Financial Sector
Credit scoring, investment capacity assessment → high-risk category → pre-implementation compliance requirements
Poland
Draft law implementing the AI Act (Bill No. UC71) — currently undergoing legislative review.
Regulatory Risk Management: Risk Map for Bossa
Legal Risk (Commercial Companies Code + AI Act)
- Lack of AI system documentation = risk of a fine of up to €35 million
- The management board is responsible for AI governance within the company (not just IT)
- Mandatory AI literacy training starting August 2025 — start now
Data Risk (GDPR + Polish Financial Supervision Authority)
- Investment client data is subject to special protection
- Sending client data to external AI systems = GDPR violation
- The Polish Financial Supervision Authority may require reporting of AI incidents
Operational Risk
- Over-reliance on AI without human verification
- Erroneous AI decisions in investment analysis
Reputational Risk
- Clients will find out that Bossa uses AI — how to communicate this?
Key Takeaway:
A management board without AI governance faces undisclosed legal risks.
Action Plan — AI Roadmap for Bossa
SkuzaAI designed a custom 3-tier AI roadmap.
TIER 1 — QUICK WINS
(Weeks 1–2 | ROI: Immediate)
- AI Transcription: Fathom/Otter/Teams → meeting minutes → Cost: $0–19/user
- Pilot: 1 person from the Board tests Claude Pro for 2 weeks → Cost: $20/month
- Analysis of the first AI-generated investment report → measure time before and after
TIER 2 — FOUNDATION
(Months 1–2 | ROI: High)
- AI Process Audit: Which processes at Bossa can be automated?
- Inventory of AI tools by AI Act risk category (Legal REQUIREMENT!)
- Team Training: AI Literacy (required by the AI Act starting August 2025!)
- Selection of an AI Lead within the organization
- Platform Selection: M365 Copilot vs. Google Workspace AI
TIER 3 — OPTIMIZATION
(Months 3–6 | ROI: Transformational)
- First AI agent at Bossa (e.g., an agent for analyzing investment reports)
- AI Dashboard for the Executive Board: savings and adoption metrics
- 12–24 month AI investment plan for the Supervisory Board
Results Delivered
85%
Meeting Protocol Prep Time Reduction
Prep time was reduced from 3-4 hours to 20 minutes · industry benchmark
95%
Board Processes Mapped for Precision AI Integration
Process-level deployment roadmap delivered
ABOUT SKUZAAI
SkuzaAI is a solo AI transformation practice led by Arek Skuza, based in Plano, Texas. SkuzaAI delivers CEO AI Immersion workshops and custom AI Agent implementations for 50–2,000-person companies across Poland, Europe, and the USA.