Artificial intelligence can help people interpret complex data, anticipate change, and choose among competing actions. Its value nevertheless depends on the quality of the information entering a model, the meaning of its output, the authority to act on that output, and the ability to assess consequences. This conceptual narrative review synthesizes 26 publications identified in a supplied collection of works. The works address healthcare, public health, business analytics, sustainability, management information systems, software quality, and cybersecurity. Their diversity makes them useful for examining a common decision process, although they cannot be treated as a comparable set of experimental results. The paper develops a five-layer framework linking governed data, task-appropriate analytics, interpretable evidence, accountable action, and outcome monitoring. It then examines how the framework applies to surveillance and care, organizational performance and sustainability, and protection of digital infrastructure. Across these settings, model accuracy is necessary for many tasks but insufficient to establish practical benefit. The proposed research agenda calls for prospective evaluations that define the decision being supported, document existing practice, test performance across groups and settings, measure the consequences of intervention, and specify when a system should be revised or withdrawn. This framework provides a way to design and examine AI as part of a human and institutional process rather than as an isolated predictive tool.