Every regional bank CIO has sat through the same board meeting. Someone forwards an article about a money-center bank’s new machine learning platform. Someone else asks, not unkindly, why the bank doesn’t have something like it. The CIO explains, again,... View
Banking modernization is often framed as a choice between two uncomfortable extremes: continue carrying the constraints of a legacy monolith, or accept the cost and risk of replacing the core. That framing misses a third path. A bank can progressively move... View
Many UK banks already have an API programme. They have gateways, REST endpoints, microservices and integration platforms. Yet a familiar problem remains: adding the next channel, fintech partner or product still takes too long and still requires too much custom... View
For more than a decade, legacy core banking systems have carried much of the blame for slow releases, expensive change and fragile technology estates. The conventional answer has been equally familiar: replace the core with a modern, cloud-native platform and remove... View
Part 2 of 2. A seven-gate test for moving AI from pilot to production in regional banks. Part 1 sets the operating model these gates sit inside. The demo worked. The steering committee clapped. Eighteen months later, it’s still a demo. Plenty of regional banks... 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 […]