By now we’ve all heard of tech debt—the costs we’ll have to incur in the future to maintain suboptimal software and technology decisions from the past—but in three decades as a tech executive, I’ve come to observe a far more insidious phenomenon that threatens to undermine business transformation: “process and data debt.”

Unlike tech debt, process debt isn’t just IT’s problem. The accumulation of manual workarounds, inconsistent data practices, and inefficient workflows that build up over time spreads throughout the organization, affecting every department, from accounting to supply chain. And process debt is the number-one thing that will stand in the way of a company’s ability to adopt AI to innovate and reinvent itself. Process debt doesn’t just slow down AI initiatives; it fundamental

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