Ask a CIO who owns AI governance at their bank, and the honest answer is often some version of “it depends which model you mean.” The customer-service copilot sits with the digital team. The fraud model sits with the risk function. The credit-decisioning model has... View
Ask most banking CIOs where their institution sits on AI governance maturity, and you’ll generally get a confident answer. Ask them to prove it with production evidence rather than a policy document, and the confidence tends to thin out considerably. That gap –... View
If you’ve been tracking AI regulation in banking one headline at a time, this year has been genuinely difficult to keep straight – a Federal Reserve guidance update, a European deferral that has been widely misread, and a CFPB circular that closes a door some... View
Every AI governance conversation in banking starts from the same regulatory baseline. The Federal Reserve’s SR 26-2, the EU AI Act, the UK’s PRA SS1/23 – none of these instruments carve out a lighter standard for a $30 billion regional bank than they do for a... View
Trust is becoming a competitive advantage in AI-first banking because model capability is commoditizing faster than governance capability, meaning institutions that can deploy AI quickly and defensibly will out-execute competitors with access to the same underlying... View
The Prioritization Framework for Banking Technology Leaders Half the US banks in one 2026 survey have already deployed generative AI. The harder question for AI in banking now is which use case earns the next budget line, and which one will still be defensible when an examiner asks how it reached a decision. The Defining […]
In April, US bank regulators rewrote model risk guidance for the first time in fifteen years, and wrote agentic AI out of it. A model gives you an estimate. An agent gives you an outcome. That difference sounds small until you watch it happen in a bank. A card dispute agent reads a customer complaint, […]
When your payment-repair agent releases a held transaction, could you show which version of which procedure it applied, and who owns that procedure? AI agents need more than access to banking documents. They need a living, governed model of how the bank works. IN BRIEF An enterprise knowledge fabric is a governed, living digital twin […]