Insights
Stay ahead of the curve
Written for people who have to live with the system after the program — not for a keynote.
Banking · 8 min
Where AI actually belongs in a core banking program
Models help in fraud, servicing, and ops — not as a replacement for the ledger. A practical view of where to start without creating a second core.
Risk
Operational resilience is a data problem as much as a tech one
Whether you sit under DORA, RBI guidelines, or your own board’s appetite, resilience programs fail when nobody owns the mapping of critical functions to systems.
Cloud
Multi-cloud in risk-averse environments
Two clouds is not a strategy. Workload placement, identity, and exit are. How conservative institutions can use more than one provider without doubling the control burden.
Data
Using transaction data without painting a target on privacy
Banks sit on behavioural gold. The institutions that last treat consent, purpose limitation, and deletion as product features — not legal footnotes.
Banking
Legacy core modernization in waves, not slogans
Big-bang replacements still fail for the same reasons they failed in 2012. A wave model that operations will actually sign.
Insurance
Parametric cover and real-time claims: what P&C stacks must change
If you sell parametric products on a PAS built for paper FNOL, the product team will invent a side system. That is how leakage starts.