Chris Couch — Field notes on AI in B2B financeEssays, hot takes, and public predictions on AI in B2B finance.https://chriscouch.ai/The Context Layer Is Eating SaaShttps://chriscouch.ai/essays/context-layer-eating-saas/https://chriscouch.ai/essays/context-layer-eating-saas/The software meltdown isn't AI killing SaaS. It's Christensen's Law of Conservation of Attractive Profits playing out in real time. Value is migrating from the interface layer to the context layer.Mon, 13 Apr 2026 00:00:00 GMTessaycontext-layersaaschristensenmarket-analysisThe Anatomy of a Document Agenthttps://chriscouch.ai/essays/anatomy-of-a-document-agent/https://chriscouch.ai/essays/anatomy-of-a-document-agent/What does it actually mean for a document to 'decide' something? The four components that give an invoice or contract genuine agency.Wed, 04 Mar 2026 00:00:00 GMTessayarchitecturespecializationagentsWhy Your AI Agents Are Failing: The Control Traphttps://chriscouch.ai/essays/control-vs-outcomes/https://chriscouch.ai/essays/control-vs-outcomes/Finance leaders are deploying AI agents like they're adopting teenagers. Curfews, check-ins, no real decisions. Then they wonder why the agents don't deliver.Tue, 17 Feb 2026 00:00:00 GMTessayautonomydeploymentstrategyThe 75% of AI Value You're Leaving on the Tablehttps://chriscouch.ai/essays/four-stages-agent-evolution/https://chriscouch.ai/essays/four-stages-agent-evolution/Most finance teams deployed AI and got incremental results. The problem isn't adoption. It's that no one specified which kind of AI to adopt. There are four, not one.Tue, 03 Feb 2026 00:00:00 GMTessayframeworksstrategyagentsThe Invoice as Agent: Why Every Document Will Have Its Own AIhttps://chriscouch.ai/essays/invoice-as-agent/https://chriscouch.ai/essays/invoice-as-agent/We've been thinking about AI in finance backwards. The end state isn't smarter agents processing dumb documents. It's documents that process themselves.Thu, 22 Jan 2026 00:00:00 GMTessayarchitecturespecializationinvoicingHuman-in-the-Loop Is a Temporary Placebohttps://chriscouch.ai/essays/human-in-the-loop-placebo/https://chriscouch.ai/essays/human-in-the-loop-placebo/Sixty percent of enterprises require human oversight before AI agents access sensitive data. It feels responsible. It's a placebo with a 24-month shelf life.Thu, 15 Jan 2026 00:00:00 GMTessayautonomygovernanceagents