+**Abstract**: Large language models have lowered the barrier to enterprise AI experimentation, but for most organizations, the real challenge is now transformation, not experimentation. Moving from isolated pilots to AI-native operating models demands new ways of working, new organizational capabilities, and new architectural foundations. Drawing on practical experience at PayPal, this keynote explores scaling AI adoption through workforce fluency, platform democratization, internal AI champions, and measurable organizational enablement, and how initiatives were prioritized around business outcomes across finance operations, conversational platforms, workflow automation, and emerging agentic systems. The talk also covers the technical and operational realities of deploying enterprise-scale AI in regulated environments: orchestration frameworks, semantic caching, memory architectures, evaluation systems, governance, and production deployment, before outlining emerging patterns for AI-native enterprises, where reusable AI capabilities become foundational primitives that move organizations from AI-assisted work toward increasingly autonomous, adaptive operating models.
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