AI governance business reality examines how large organizations actually govern artificial intelligence in practice. This article explores the gap between theory and execution.

The Capital One customer settlement stands as a clear reminder that in large, highly regulated organizations, data protection, cybersecurity, and risk management are inseparable from enterprise governance. What began as a technology control failure evolved into a customer settlement with significant financial, regulatory, and reputational consequences. For executive leaders and boards, the central lesson is that digital risk must be treated as a core business risk, governed w