W7164193810 Working papers AI × management and organizations

The Fractional AI Officer Model: An Operator-side ROI Benchmark for SMB AI Implementation (2026)

Dmytro Negodiuk

Also recorded as: doi:10.2139/ssrn.6834078 · ssrn:6834078

ssrn abstract page · 2026-06-10

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The abstract describes single-operator observational cases across five SMBs from April 2024 through April 2026. For three documented cases, it reports an operator-side return multiplier of 3.2–4.7, with median 3.9, per dollar of AI stack cost, compared with an estimated vendor-side baseline of 1.1–1.6.

confidence: high ssrn-abstract-page apw-e1-ssrn-backfill

Scope: five SMB cases over April 2024–April 2026; reported ROI statistic based on three documented cases

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  • the abstract identifies a small sample, observational design, and founder-operator selection bias

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