The PRCA Green Paper on AI governance, published in 2025, lists prompting SOPs (standard operating procedures) as governance guardrails — operational documentation of how AI tools are used, not just whether they are permitted. FCLTGlobal, the long-term investment research organisation, has identified what it calls the 'AI efficiency dividend': the compounding value created when AI-generated efficiency gains are reinvested rather than merely captured as short-term cost savings. Reinvestment — of time, of knowledge, of process learning — generates more than two times the return of simple cost extraction, according to FCLTGlobal's research.