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The distinction between knowledge encoded in machine systems (model memory) and knowledge held by human institutions (institutional memory). As model memory accumulates through training while institutional memory decays through turnover, the institution becomes dependent on knowledge it cannot access, audit, or modify.
The model 'knows' why certain customer patterns indicate fraud because it was trained on ten years of analyst decisions. The analysts who made those decisions are gone. The model has memory; the institution has lost it.
Section 5.3: Learning Asymmetry Management