FICO study finds only 5.2% of tech leaders very confident explaining AI decisions

FICO's 2026 State of Responsible AI report shows a wide trust gap: 71.5% of customer decisions still made without AI, and only 5.2% of tech leaders are very confident explaining AI decisions. Most cite model development standards as the key to improving transparency. The survey of 1,004 senior leaders also found 85.1% say AI has met or exceeded ROI expectations, but agentic AI remains largely in pilot phases.