Due diligence, the need for actual human investigators and... travel woes

More and more often (sometimes distressingly so), this consulting detective is confronted with due diligence reports that have clearly been constructed, completed and otherwise engineered by AI.

Now I could (once again) fall back on what I often see--a cross between a data dump and a lack of context (sometimes caused simply because key information is not easily available on the net)--or I could simply bring up frustrated or befuddled clients who in this day and age are actually quite sophisticated, who tend to know the Central European sector in which they operate and who then also request a quote from Yours Truly because they are, typically and quite rightly, convinced there is more.

But the above arguments tend to fall on deaf ears. Instead, allow me to digress into a real world example that is (I assume) highly relatable, but which I also believe clearly demonstrates my points.

Last night (literally last night) this consulting detective attempted to book a low-cost airline flight to a country not so far away on a flight not so far of in the distance. Now I do tend to avoid low-cost carriers, as the hidden fees tend to eat up savings--and the airports used tend to be miles away from and the destination alike--but for once I decided to try carrier X. (No, I'm not going to name the carrier, as I do not want the point of this post to be derailed by poor service stories).

Alas... the payment process was not ideal. Overworked fool that I apparently am, I checked pay by bank transfer instead of pay by card. Oh well. But I quickly regretted my decision due to unclear payment instructions in two languages and the fact that an email supposedly sent with payment instructions did not arrive until well after the incident detailed below.

Now I was able to see the bank account number and a confirmation code on the airline ticket site, but what I wanted was to change my payment option to credit card, but if that was for some mysterious reason not possible, I also wanted to know exactly what I should list in the title of the bank transfer to prevent it from going awry.

(To put this in perspective, I am quite accustomed to systems that demand immediate payment at the risk of otherwise losing the reservation and then being forced to start again.)

So what did I do? I turned to website chat box. To Ask Annabelle (AI robot name change hear), as, to be honest, my questions were really quite simple indeed. Five minutes, I thought. Five minutes and I'll have it all sorted. 

Wrong.

Utterly and completely and incredibly wrong.

But first a final bit of background, I did first ask about switching the payment to credit card. I was met with a ramble in Polish about having to restart the reservation (with no real explanation as to how and a reservation site that hung up again and again). But ok... I figured that maybe the airline's AI just was not geared for Polish and switched to English.

To my shock... things only got worse.

Below is the actual English transcript of both my questions and Annabelle's answers (with a few insertions in italics to let you know just what I was thinking at the time). Granted, there is a good example of my own ignorance here in that I did not know the term PNR code, but note that I did 99 percent suspect that this was the same as a confirmation code. But as assumption is the mother of many.... erm... screw-ups,  I did my best to ask quite simple questions in order to avoid complications or outright failure.

Apparently, I was guilty of overthink.

10:19 pm
I want to pay by bank transfer. what do I write for the title of the transfer. I see a confirmation code, which says: Kod potwierdzenia: XXXX. Is that what I put down?
10:19 pm
The title of your bank transfer should include the PNR code for our systems to balance your booking automatically.
10:20 pm
If you made a mistake while completing your bank transfer or you haven’t received the confirmation, please contact our agents on the 5th working day after the payment, as this is the earliest day for checking the issue.
10:20 pm
on the site it does not say PNR code. there is a confirmation code--is that the same thing?
10:20 pm
If you can’t find your booking under your XXX Account, it means that your booking was not confirmed. In order to reserve a flight, you should start the booking process again.
Ok, at this moment... I admit was not in the best of moods, as I'm leaving out the previous 15 minutes of just wanting to know how to revert to paying by card. So in my frustration I tried another question. 
10:20
Do you actually understand English?
10:21 pm
Yes, assistance is available in English. Please feel free to ask any questions related to (our) services.
10:21 pm
Ok--how about this. I started to pay by bank transfer, but actually I want to pay by card. how can i change the payment method?
10:22 pm
I can provide general information as well as assistance with the payment of your existing booking.
Then I wrote my email and the confirmation code. This is what she wrote back:
10:22 pm
It looks like your payment is currently on hold. To understand more about this issue, how did you try to pay?
Excuse the vernacular but WTH? So I tried again, and after more round and round, we arrived at this: 
10:23: I have not sent the payment because there is no PNR code.
10:23 pm
If you can’t find your booking under your XXX Account, it means that your booking was not confirmed. In order to reserve a flight, you should start the booking process again.
You've got to be kidding. 
10:23 pm
can you tell me my PNR code?
10:23 pm
If you can’t find your booking under your Account, it means that your booking was not confirmed. In order to reserve a flight, you should start the booking process again.
10:23 pm
is this my PNR code? XXXX
10:24 pm
Sounds good! To check the status of your flight, please enter your confirmation code in the field below.
Now at this point... I pretty much gave up. But Annabelle (Lord have Mercy) did not stop. 
10:28 pm
The title of your bank transfer should include the PNR code for our systems to balance your booking automatically.
10:28 pm
If you made a mistake while completing your bank transfer or you haven’t received the confirmation, please contact our agents on the 5th working day after the payment, as this is the earliest day for checking the issue.
10:28 pm
Starting 1st April 2025, (the airline) no longer accepts cash payments onboard.
10:29 pm
We accept card payments, including contactless transactions and smart technology.
10:29 pm
I’m sorry! I still don’t understand how I can help you.
Rather unbelievably, this is not the end of the story. But first, I must add that if this is the future of AI... well, I'm not exactly worried about Arnold the Terminator. Or maybe I should be, as he is going to be an absolute idiot.
In fact, the reality--especially if extrapolated to the bigger picture--is just not that humorous. Annabelle was either unable or unwilling to provide me with simple answers. These I actually found on Google. In short, it turned out that yes the confirmation code was the PNR code. And it turns out that the transfer should ONLY list the PNR code in the title. Not one word more. My impatient self sent the transfer with the following words: "airline tickets" followed by the code.
No big deal, eh? Wrong. Wrong. According to Google, which was later confirmed by the airline, any other words other than the PNR code throw the entire payment system for a loop--which means the airline probably cannot match my payment to my reservation. Which means they probably will actually annul the reservation.
But maybe not.
Absurd, no? That an AI chatbox cannot answer simple questions and that it is apparently absolutely stumped by the words "airline tickets" next to the proper confirmation code in a bank transfer from the actual person who has booked the reservation and who is planning to fly.
Worse... as Annabelle did note, I must now wait five days to contact an actual (possibly human) "agent" in order to confirm whether or not my actual reservation was... confirmed or annulled.  This is simply far too tall a task for the said, robot-controlled payment systems --in such complex and admittedly mysterious circumstances said system cannot figure out just who the bank transfer is for, despite the banking info obviously saying it's from Preston Smith--and again, this is all because I wrote "airline tickets" in front of the code.
For the rule is that you only write the code. Nothing else. Not a word. Anything else and the entire airline is confounded.
Silly, silly me.
In the meantime... I cannot book a hotel. I also cannot confirm to actual humans whether or not I will arrive on the set date as planned.
Summing up, this is quite likely going to cost me money.
Now back to due diligence. Yes, Dear Reader, you are probably wondering just how this relates, but let me assure you it does. In fact, if you have ever had a chance to read robot-created risk intelligence reports, you will have no doubt. They are based on the ungodly and sometimes extreme efforts (just how various databases are accessed without actual payment is quite a tricky subject) of various Annabelles (God bless them). And even when overseen by actual humans, often getting very simple answers (in order to keep from losing money) is simply impossible.
But here are two (also very recent) examples. Only days ago Yours Truly was confronted with an AI-generated report that stated that a company had only two subsidiaries. This simply was not true--not in Poland and not abroad. In Poland there were 12 direct, current subsidiaries. And if you counted the UBO-related companies, that number was far greater. Somehow the robots behind that report could not see this--even though the client/investor knew the market and realized something was definitely afoot.
Now this did gain me a new client (and an order for a proper report), so I guess AI is not all bad, but then there was a second recent report, also slapped on my desk by a potential new client visibly unimpressed with current sector efforts. This one smacked of the kind of robot-generated language that my types abhor, but more worryingly, it also gave a regional oligarch quite a clean slate--a point that is arguably true...
If you only go back three years. Beyond that...
Well, the picture is not pretty.
In other words, the details matter. Very exact information is important. As is the right information.
Or put simply, it is what it is. If you want to go low-cost, you get what you pay for.
As Yours Truly (admittedly in the world of air travel) is also finding out.

Preston Smith is a licensed investigator based in Gdansk, Poland. He can be reached at query@cddi.pl.Photo credit: still from the American drama film Sherlock Holmes (1922) with John Barrymore, on page 41 of the May 13, 1922 Exhibitors Herald.Goldwyn Pictures, Public domain, via Wikimedia Commons.

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