Ramp Says Employees Who Don’t Use AI Are Underperforming

In a March 15, 2026 podcast interview on Behind the Craft with Peter Yang, Ramp’s chief product officer Geoff Charles said employees who aren’t using AI tools like Claude Code are likely underperforming compared with coworkers.

He explained that Ramp has built an internal AI skills ladder that ranges from people who only sometimes use ChatGPT to those who can build full systems, and said the company expects employees across all roles to become more AI native.

He also said more than half of Ramp’s code is already being written by AI, and the company’s aiming to push that share even higher.

What’s happening here is simple: Ramp isn’t treating AI like a bonus skill anymore. It’s turning it into a core part of how performance is judged.

The company is putting real structure behind it with training, clear expectations, and a defined path for employees to improve. For other U.S. companies, that’s the real takeaway. It’s not just about telling teams to use AI.

It’s about teaching them how to use it well and making it part of how work actually gets done.

In the U.S., insurance underwriters look closely at how companies train employees, set controls, and manage new technology. That’s where this gets interesting. Structured AI training like Ramp is rolling out can actually make a company look more disciplined and better managed from a risk standpoint.

Industry research shows that in more than 80% of large cyber claims above $1M, the company’s own decisions played a big role in how severe the loss became. The flip side is powerful. When companies invest in training, oversight, and clear processes, they can actively reduce how big those losses get or avoid them altogether.

That’s why more than 90% of companies say they’re already using AI in risk management, and about 90% are training employees on how to use AI safely and effectively. This isn’t just a trend. It’s quickly becoming a standard.

When a company builds structured AI training like Ramp is doing, it’s not just helping employees move faster. It’s creating better habits, tighter controls, and more consistent decision making across the business.

In plain English, companies that train people to use AI properly don’t just get more productive. They become safer, more controlled, and more resilient, which is exactly what insurers want to see.

Geoff Charles, CPO at Ramp | Image credit: Founderpath