AI Exposure and AI Resilience: A Two-Dimensional Assessment Framework for Software and Software-Based Business Model

AI is changing work and decision making faster than many institutions can adapt their operating practices. We argue that this adaptation gap makes human resilience a core capability for the AI era. We define resilience as the capacity to absorb disruption while preserving effective action and human agency around core purposes. The framework operates at three interacting levels. Psychological resilience keeps a person goal-directed under stress. Social resilience makes trusted support and correction available across a group. Organizational resilience turns detected problems into learning and recovery. We connect established resilience and technostress research with direct AI-in-the-loop experiments. General resilience is trainable, while AI-specific causal evidence is still emerging. Direct AI studies show that assistance can raise productivity and spread expertise. Other experiments show improved expressed empathy and more calibrated reliance. We translate these findings into a practical agenda for AI education, workplace design, governance, and evaluation. The central proposal is socio-technical: structural safeguards define the operating boundary, while resilient people and institutions provide adaptive capacity when conditions change.

Artificial intelligence in high-stakes tabular domains cannot be evaluated by predictive performance alone, yet current practice still assesses explainability, fairness, robustness, privacy, and sustainability mostly in isolation. We propose the Model Integrity and Responsibility Assessment Index (MIRAI), a unified evaluation framework that measures tabular models across these five dimensions under a controlled comparison setting and aggregates them into a single score. MIRAI combines established metrics through normalized and direction-aligned dimension scores, which enables direct comparison across models with different architectural and computational profiles. Experiments on healthcare, financial, and socioeconomic datasets show that higher predictive performance does not necessarily imply better overall integrity and responsibility. In several cases, simpler models achieve a stronger cross-dimensional balance than more complex deep tabular architectures. MIRAI provides a compact and practical basis for responsible model selection in regulated settings.

Assessing the maturity of artificial intelligence technologies is essential for investment decisions, project management, and policy monitoring, yet the available readiness frameworks are heterogeneous and difficult to apply automatically: the adaptation of Technology Readiness Levels to AI lacks AI-specific gating criteria, the Machine Learning Technology Readiness Levels presuppose access to internal process artifacts, and AI/data readiness dimension models employ scales that resist direct comparison. This paper makes two contributions. First, we unify these three frameworks into the Unified AI Readiness Level (AIRL), a nine-level ordinal scale built on an environmental evidence ladder and complemented by dimensional caps (covering specification, data existence, data quality, data legality, expert knowledge, and algorithmic maturity) together with a generality-anchoring rule and explicit assignment disciplines, so that a readiness level becomes decidable from a natural-language description of the work alone. Second, we propose RAIL (Readiness Assessment via Independent LLM-experts), a panel-of-experts classifier that operationalizes the scale: one evidence agent and six independent dimension agents, each a large language model with a narrowly scoped mandate, deliver verdicts that a deterministic minimum rule aggregates and a chief expert reviews under asymmetric authority, confirming or lowering the panel's recommendation but never raising it above the caps. The method was tested in the analysis of several research works showing consistency and avoiding overestimation from monolithic LLM classifiers.