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The Evolution of AI Compliance Assistance from Reactive Support to Co-Agency

Daria Höhener

Journal of the Association for Information Systems2026article
AJG 4*ABDC A*
Weight
0.50

Abstract

Executives in regulated industries are facing growing pressure to integrate AI into compliance while preserving oversight. This article describes how a banking group introduced a retrieval-augmented, AI-powered compliance assistant. It outlines what the group’s journey reveals about the future of compliance work and the key lessons learned. It highlights the tensions shaping AI-supported compliance: authority illusion, blurred accountability, loss of contextual judgment and widening awareness gaps. The article provides a four-phase framework to help leaders navigate the shift from reactive AI assistants toward agentic, co-reasoning systems.

Cite this paper

@article{daria2026,
  title        = {{The Evolution of AI Compliance Assistance from Reactive Support to Co-Agency}},
  author       = {Daria Höhener},
  journal      = {Journal of the Association for Information Systems},
  year         = {2026},
}

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The Evolution of AI Compliance Assistance from Reactive Support to Co-Agency

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Evidence weight

0.50

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.50 × 0.4 = 0.20
M · momentum0.50 × 0.15 = 0.07
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.