Reports
Long-form analysis for people deciding where AI is worth the investment. Each report opens with a public preview; the full text unlocks with a work email.
Sector report
Where carriers and brokers are creating measurable value — and where they are not
Insurance concentrates exactly the conditions AI rewards: high document volume, repeatable judgement, and a direct line from cycle time to cost. This report separates the opportunities with documented precedent from the ones that keep failing quietly.
18 pages · Updated September 2026
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Lead qualification, listing operations and transaction admin
Real estate value is dominated by response speed and administrative drag. This report covers the workflows where AI reliably moves both, and the ones where it produces activity without producing outcomes.
16 pages · Updated September 2026
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Administrative capacity, patient communication and clinical documentation
In clinics, the reliable value is administrative, not diagnostic. This report maps the administrative workflows where AI creates measurable capacity and sets out the clinical boundary clearly.
17 pages · Updated September 2026
Read the reportMethodology
How Merjora calculates value ranges, and how to audit the number
This is the methodology document, published so any figure Merjora produces can be audited. It defines the baseline, the value drivers, the discounting, the cost model and the confidence scale.
22 pages · Updated September 2026
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