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.