Long-form writing on AI in banking, and the machinery underneath it.
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Who owns the risk
Insurance looks like one industry from outside. Actually it is a chain of very different businesses, and only some of them lose money when a claim arrives. This is a guide to who does what, who owns what, and who is finally holding the risk.
Shadow AI: Your Credit Union Already Adopted AI. Nobody Told You.
Shadow AI is the adoption that happened without a decision, and in a member-trust institution it is the quietest serious risk on the books.
Inside My First Digital Employee: The Architecture of the AI Auditor
In my previous article I argued that the first AI employee a bank hires should be an internal auditor. The most common reply was: show the build. This is the version I would hand a new engineer on my team, written like a user guide.
The Audit Trail That Audits Itself
How I build AI systems for banks and credit unions that catch onboarding irregularities at the first occurrence, not at exam time.
The First AI Employee Your Bank Should Hire Is an Auditor
Why the safest place to start with agentic AI in banking is the job nobody staffed for: reading everything.
Six Vendors, One Fine: How Regulators Decide Who Pays
Who gets caught when regulators catch something: the bank, or the vendors that serve it?
The AI Story We Keep Forgetting
Think of AI not as one thing, but as a living city. Generative AI is the voice. The rest of AI is the body.
RAG Did Not Fail, Our Mental Model Did
Treating RAG as a single pattern is like calling every vehicle transport and assuming a bicycle, a delivery truck and a cargo ship can all do the same job.
Should Email Providers Like Google and Microsoft Be Regulated?
Convenience versus security in a world where your digital identity has quietly become more important than your physical one.
Language Alone Cannot Run the World
Generative AI is stealing the show, but what happens when the rest of the orchestra stops playing?
Central Bank Digital Currencies: A Technology and Financial Innovation
CBDCs combine the trust of central banks with the efficiency of digital technologies. This paper reviews their technological foundations, their potential in fintech, and the risks and regulatory questions that come with them.
Impact of Eliminating the Credit Union Tax Exemption on the American Economy
The credit union tax exemption is often framed as a benefit for members. The research suggests its removal would cost non-members, rural and minority communities, and the Treasury as well.
Creating Product Vision and Strategy for a Bank on a Modernization Journey
For traditional banks, especially regional and private banks, the journey to digitalization is both an opportunity and a challenge. This guide walks through the step-by-step approach, using two illustrative bank journeys.
Understanding Vision, Strategy, and Roadmap in Product Development
Three terms every product team uses, explained with examples so that even an entry-level developer can see where their tasks fit into the larger picture.
Demystifying Product Development: A Tale for Every Level
Once upon a time in the bustling town of Techville, everyone played a different role in the grand production of a product. Here is what each of them needs to know.
Why Every Tech Innovator Needs a Product Leader
In the kitchen of startup innovation, the chefs cook the next big thing. Someone still has to make sure the diners will eat it.