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APPLIED AI
Tokenised deposit services in 2026 are moving from research into bank pilots and early client propositions. The status is still pre-scale, but the direction is clear: commercial bank money is being adapted for programmable settlement, digital wallets…
APPLIED AI
Cloud native banking in 2026 is no longer a debate about whether banks can use cloud. It is a regulated platform-engineering discipline: how to run critical services across containers, virtual…
APPLIED AI
Wholesale payments in 2026 are no longer just bank plumbing. They are part of macroeconomic resilience, trade competitiveness, liquidity efficiency, sanctions compliance, and the strategic contest…
APPLIED AI
Quantum cryptography in 2026 has split into two practical tracks. Post-quantum cryptography is now an implementation programme, because NIST says three post-quantum standards are ready for use and…
APPLIED AI
Agentic AI has crossed from pilot into production across global banking. Seventy per cent of institutions are using it to some degree; only one in five has a mature governance model. Meanwhile,…
APPLIED AI
Cloud architecture in 2026 has crystallised around six pillars: AI-native infrastructure, intelligent multi-cloud, serverless-first design with WebAssembly at the edge, edge computing, automated…
APPLIED AI
Stablecoins cannot pay yield under the GENIUS Act. On 8 May 2026, BlackRock filed two SEC registrations for products that solve this constraint by being regulated as money market funds rather than…
APPLIED AI
Quantum risk has moved from research curiosity to active regulatory mandate. With the G7 roadmap published in January 2026, the EU, UK, and Australian timelines clarified, and the BIS Project Leap…
APPLIED AI
From mid-November 2026, SWIFT CBPR+ will reject unstructured postal addresses in pacs.008 and related cross-border payment messages. With approximately 65% of messages still non-compliant and 44%…
APPLIED AI
Twelve years after its release, Luc Besson's *Lucy* reads less like pseudo-science and more like a thought experiment about what happens when human knowledge migrates from biological to…
APPLIED AI
A new paper suggests Shor's algorithm could run on as few as 10,000 qubits. The threshold for cryptographically relevant quantum computing is dropping faster than most had assumed.
APPLIED AI
Modern payment infrastructure relies on public-key cryptography. RSA, ECC, and Diffie-Hellman. To authenticate transactions, protect cardholder data, and secure messaging between financial…
APPLIED AI
Following my recent article on the [Challenges in Quantum Algorithms for Lattice-Based Cryptography][00], I am compelled to provide an update on the latest developments in [Yilei Chen's research…
APPLIED AI
This article delves into the work of [Yilei Chen ⧉][00], who has developed a polynomial-time quantum algorithm that could significantly impact the hardness of the Learning With Errors (LWE)…
APPLIED AI
OpenVoice offers significant advantages over existing tools. It allows for flexible voice style control beyond tone and timbre. It also has zero-shot cross-lingual capabilities without extensive…
APPLIED AI
Fully Homomorphic Encryption (FHE) promises to redefine data security in Banking and the Financial Industry. By enabling computations on encrypted data, FHE safeguards privacy against both…
APPLIED AI
The integration of natural language processing and image recognition has resulted in the development of Multimodal Large Language Models (MLLMs). In their paper, Apple introduces the MM1, a…
APPLIED AI
This article presents an overview of a [research paper][00] that explores the integration of OpenAI Whisper with Metal Performance Shaders (MPS) on macOS, offering a new approach to real-time…
APPLIED AI
In the world of software development, logging plays a crucial role in understanding the behaviour of an application, diagnosing issues, and ensuring smooth operation. Rust, a systems programming…
APPLIED AI
Conversational AI is evolving rapidly, and Mistral AI's Le Chat is leading the way in this innovation. This platform improves user experiences and challenges top AI solutions like ChatGPT. It's…
APPLIED AI
Google recently launched [Gemma ⧉][00], an open-source artificial intelligence model designed to provide an accessible and ethical foundation for AI development. As an open-source model, Gemma…
APPLIED AI
Gemini 1.5 is built on a new version of the Mixture of Experts (MoE) architecture, enhancing its ability to selectively activate the most relevant pathways in its neural network. This advancement…
APPLIED AI
The European Union's Artificial Intelligence Act marks a significant step in the global discourse on AI regulation. As digital technologies increasingly permeate every aspect of our lives, the…
APPLIED AI
Àkàndé is an open-source Python voice assistant that chains OpenAI Whisper speech recognition, GPT-4 chat completions, and a local SQLite response cache into a voice-driven workflow — generating PDF summaries from conversation history via fpdf2 and keeping all stored data local with no cloud persistence.
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