Welcome to Novigi’s Quarterly Report — Q4 FY2026. The Quarterly is our regular publication covering topics in data, technology and wealth management. Each edition draws on the expertise of people across our team and the ideas, trends and questions occupying them at the time, whether emerging from our work with clients or broader developments across the industry.
Hopefully you can take some time out of your day to spend a moment with these few concepts we think are worth exploring. If you have any feedback or questions, we’d love to hear from you through our website or by reaching out to one of the Novigi team directly.
Covered in this quarter’s report:
Of Foxes and Hedgehogs: Superannuation’s Workforce in the Age of AI
In this technology article, we focus on people. It’s now well-established thinking that as AI increasingly takes on routine and predictable work, humans will focus on using their judgment, empathy, adaptability and deep contextual understanding. We explore how this may reshape workforce design in superannuation, the growing importance of generalist skills vs specialist skills and the challenge of developing and capturing expertise.
Beyond LLMs: The Next Frontier of AI
Large Language Models have dominated the AI conversation, but a growing number of researchers are questioning whether this is the architecture best suited to handling every problem it is currently being asked to solve. We explore the rise of so-called “world models” as an alternative, why they are attracting attention, and what the next generation of AI systems could look like. For superannuation, it raises the prospect of AI that understands situations rather than simply language, potentially allowing complex decisions to be handled more consistently.
Reports of SaaS’s Death…
If the cost and effort of creating software continue to collapse, what does that mean for the software industry itself? In this article, we unpack the much-discussed concept of “SaaSpocalypse” and revisit the perennial build-versus-buy debate. We explore what AI-assisted development genuinely changes, what it doesn’t, and why the implications for core platforms may be very different from those at the edges of an organisation’s technology landscape.
How the IT Service Desk is Changing
What happens when more than half of service desk requests can be resolved without human intervention? Drawing on our own experience, this article explores how AI is reshaping managed IT services and moving the focus away from simply processing tickets towards prevention, resilience and proactive improvement. We also examine why this shift is particularly significant in regulated industries, where governance, security and auditability remain are just important as speed and efficiency.