CHANGELOG
Changelog
October 2026
- Why the FCA Is Regulating AI Without an AI Rulebook The FCA describes itself as a technology-agnostic, principles-based and outcomes-focused regulator, and it applies that stance to AI. Its rules don't usually mandate or prohibit specific...
- The Mystery Seeds Behind NIST's Curves Were Never Hashes, and Claude Found Out in Under Half an Hour The seeds published with the NIST P-192, P-224, P-256, P-384 and P-521 curves were never hash outputs. They came from the C library's lrand48 generator, seeded by Unix timestamp. Claude worked...
- Agentic AI breaks the assumption behind every task-exposure forecast Task-exposure frameworks treat an occupation as a shell that survives around whatever humans still do. Agentic systems pursue a goal and deliver a finished work product, so the coordination work...
- Modernisation Never Finishes, and the Exceptions Are What Pile Up Hosting the Oracle Financial Services Summit in London, Dr. Leda Glyptis argued that modernisation is not an end state and that financial-services leaders must address the complexity left by decades of exceptions. She gave the industry a B minus for 25 years and advised leaders on AI to be safe, measured and cautious, but not slow.
- An AI's attack on progression-free sets: a ledger of what stalled An AI assistant worked on two problems about progression-free sets: an argument for the reciprocal-sum problem, and a quasipolynomial bound for every fixed progression length. It used Bloom and...
- Physical AI and Workforce Governance: Trust, Liability, and the Redesign of Frontline Operations At the Economist Enterprise Physical AI and Robotics Summit in London, industrial leaders from Kier Group and the British Standards Institution (BSI) addressed the urgent governance challenges of autonomous systems. Examine how to navigate workforce trust, mitigate 'dark side autonomy' during human-machine handovers, and allocate operational liability across construction, infrastructure, and heavy industry.
- Open-Source Physical AI: How Hugging Face LeRobot and End-to-End Imitation Learning Are Democratising Robotics At the Economist Enterprise Physical AI and Robotics Summit in London, Hugging Face LeRobot lead Pepijn Kooijmans unveiled the open-source architecture dismantling the barriers to physical AI. Explore how end-to-end imitation learning, Gemma vision-language models, flow-matching action experts, and $200 hardware are transforming robotics from rigid task programming into experiential learning.
- Moving Past Moore's Law: In-Memory Compute Architecture and Modular Chiplets for Edge Robotics At the Economist Enterprise Physical AI and Robotics Summit in London, Mythic AI Chairman and CEO Taner Ozcelik revealed how in-memory compute architecture and modular chiplets are breaking through the Von Neumann memory wall. Learn how transistor-level analog matrix multiplication delivers 10x to 1000x energy efficiency gains for edge robotics, tactical defence, and automotive platforms.
- Humanoid vs Functional Robotics in Manufacturing Automation: Why Form Follows Function on the Factory Floor At the Economist Enterprise Physical AI and Robotics Summit in London, aerospace and automation leaders challenged the humanoid robotics hype. Discover why 100% lights-out automation remains an industrial fallacy, why 10% incremental productivity with humans-in-the-loop delivers immediate returns, and how functional morphology outperforms bipedal mimicry in aerospace and automotive assembly.
- What a Machine Learning Textbook's Contents Page Says About the Field Foundations of Machine Learning (second edition, MIT Press, 2018) by Mehryar Mohri, Afshin Rostamizadeh and Ameet Talwalkar treats machine learning as the design of efficient and accurate...
- An internal OpenAI model pins down the exact decay rate of the Cohn-Elkies sphere-packing program An internal OpenAI model produced a collection of results across mathematics and theoretical computer science. The headline is a determination of the exact exponential decay rate of the...
September 2026
- A Detector That Reads Probabilities Instead of Writing Verdicts: What 44 Benchmarks Say About Jev Jev, a model trained with reinforcement learning for calibrated decisions (RLCD), had never been measured on alignment-failure detection. RLCDAlignBench now does that across 44 benchmarks, ten...
- When the Technology Lands Before the Institution Can Adapt: What MIT's AI Committee Says About Teaching and Learning After five months of meetings, research and outreach, MIT's Ad Hoc Committee on AI Use in Teaching, Learning, and Research Training reports that students use AI frequently and pervasively, that...
- Cloudflare Wants to Issue Its Own Certificates, and Its Plan Rests on a Free-CA Concentration Problem Cloudflare has announced its intent to become a public certificate authority. It has applied to the Chrome, Apple, Microsoft and Mozilla root programs and signed a definitive agreement to acquire...
- Two Nuclear Clocks, Built Separately in Vienna and Beijing, Haven't Beaten Atomic Clocks Yet Scientific teams working separately in Vienna and Beijing have developed the world's first two operating nuclear clocks, both built on thorium-229 trapped in solid-state calcium fluoride crystals....
August 2026
- Your DORA Exit Plan Was Priced, Not Planned. The Price Disappears in January. From 12 January 2027 cloud switching charges are abolished, egress included. The cost defence that kept DORA exit plans theoretical expires with them.
- DORA Spared You From NIS2. It Will Not Spare You From the CRA. On 11 September the CRA starts a 24-hour reporting clock. It attaches to products, so the DORA carve-out that spares banks from NIS2 never reaches it.
- Your High-Risk Deadline Moved to December 2027. Your Chatbot's Did Not. The AI Omnibus moved the high-risk deadline to December 2027. It did not move Article 50. Transparency obligations apply from today, and they land on the chatbot.
- The Wallet Ships in December. Banks Must Accept It a Year Later. Member States must ship an EU Digital Identity Wallet by December 2026. Banks must accept it by December 2027. That twelve-month gap is the whole problem.
July 2026
- PSD2 Made Banks Build an API. FiDA Makes Them Join a Market. FiDA is not PSD2 with more endpoints. Scheme membership, priced data access and a far wider scope make open finance a market banks must join.
- Out of Scope Is Not Out of Risk: The 2026 Model-Risk Rewrite Left Out the Models Banks Are Actually Deploying The April 2026 model-risk rewrite put generative and agentic AI expressly out of scope. Out of scope is not out of risk, and the UK disagrees.
- The Red Team Became a Supervised Supply Chain: What DORA's TLPT Regime Actually Demands DORA's TLPT regime turns red-teaming into a supervised obligation. The binding constraints are the tester market, the cadence, and your third parties.
- You Cannot Migrate What You Cannot Enumerate: The Cryptographic Bill of Materials Banks Still Do Not Have The 2028 NCSC discovery deadline lands before any migration deadline. Banks cannot meet it, because the DORA asset register does not record cryptography.
- Verification of Payee in Production: Nine Months of Close Matches, Bulk Files, and Unpriced Liability Nine months after the IPR deadline, Verification of Payee is a utility every euro-area PSP must run. The hard parts are close matches, bulk files, and liability.
- From Evidence to Truth: Why Certified Blockchains Will Define the Next Era of Banking Trust Banks certify the cloud, the entity and their AI, but not the ledger that decides what is true. A 5-level Certified Blockchain Index closes the fiduciary gap.
- The 2026 Global Payments Outlook: Operating Model, Risk, and Revenue in an Agentic, Invisible, Real-Time World A G-SIB operating-model view of 2026 payments: agentic liability, always-on liquidity under DORA, tokenised unified ledgers and the November 2026 SWIFT address deadline.
- Static Site Generator (SSG): Enterprise-Grade Strategic Deep Dive and Architectural Roadmap A deep dive into a Rust static-site generator: compile-time security, WCAG gates and local-first AI, the gaps in v0.0.41, and an enterprise roadmap to 1.0.
- From Messages to Map: Building a Global Corporate Standard on ISO 20022 and Swift ISO 20022 and Swift's CBPR+ gave cross-border payments a harmonised global language — but not a global map for how corporates use it. How to extend harmonisation from what a payment says to how a corporate uses it, on the rails that already exist.
- From Fragmentation to Fault Line: Corporate Banking's Missing API Standard in the Agentic Era Retail banking got its API standard a decade ago. Corporate banking never did — and now that AI agents and the Model Context Protocol have turned integration into a runtime decision, the gap has become a fault line.
- Reading the Emerging-Technology Risk Horizon for Banks in 2026 An original reading of the 2026 emerging-technology risk horizon for banks — personalised AI intelligence, synthetic financial crime, and programmable finance — with a signal-to-supervision framework, drawing on the FCA's Technology Horizon Scan 2026.
- From Evidence to Truth: Why Certified Blockchains Will Define the Next Era of Banking Trust The 2026 Certified Blockchain Index gives banks a 5-level Capability Maturity Model to certify distributed-ledger governance, consensus integrity, cryptography, smart-contract assurance, and audit observability against DORA, CPMI-IOSCO PFMI, ISO/IEC TC 307, ISO 42001 and Basel III.
- The Agentic AI Index for Banks in 2026: Measuring Autonomy A six-dimension index scoring agentic AI readiness in banks: autonomy tiers, governance, regulatory evidence, economics, readiness, and global alignment.
June 2026
- The 2026 Post-Quantum Security Scorecard: A Board-Level Metric Framework The 2026 Post-Quantum Security Scorecard provides boards and senior management with a fiduciary metric framework to track Cryptographic Bill of Materials (CBOM), HNDL exposure, and NIST FIPS 203/204 migration velocity across tier-1 banking infrastructure.
- Open Source, FINOS and the Cloud-Native CIB Stack How FINOS, the Linux Foundation and a Rust-and-zero-dependency stack are reshaping the cloud-native CIB stack — talent, compliance, PSD3 and supply-chain provenance.
- Agentic Treasury 2026: From Autonomous Treasury Index to Production-Grade Co-Pilots Agentic treasury co-pilots are moving from pilots to production in 2026 — ISO 20022 data plus tool-calls, with SR 11-7, DORA, and EU AI Act controls around them.
- The Post-Quantum Banking Resilience Index in 2026: EO 14409, Global Deadlines, and Fiduciary Cryptographic Agility EO 14409, ANSSI's 2030 deadline and DORA Article 5 turn post-quantum migration into a board-ready resilience index — a 0–5 maturity scorecard for banks.
- Always-On CIB: Cyber Recovery, Fallback Rails and Quantum-Safe Treasury Always-on CIB in 2026: cyber recovery vaults, ISO 20022 fallback rails across RTGS, instant and tokenised networks, FHE, QKD and PQC primitives, and quantum-safe treasury SLAs under DORA.
- Quantum Dawn for CIB: From KyberLib to a Quantum-Resilient Payments Stack From KyberLib to an enterprise CIB programme — how banks move from FIPS 203 ML-KEM and FIPS 204 ML-DSA experiments to a quantum-resilient payments stack.
- The 2026 Global Payments Outlook: Operating Model, Risk, and Revenue in an Agentic, Invisible, Real-Time World The 2026 global payments cycle is agentic, invisible, and real-time. A G-SIB and regional bank operating model for risk, revenue, tokenisation, and the November 2026 SWIFT structured-address cut-over.
- Cross-Border 2026: ISO 20022, Open Finance and Tokenised Deposits in Corporate Treasury How ISO 20022, A2A, open finance under PSD3/FiDA, and tokenised deposits are reshaping cross-border corporate treasury alongside SWIFT in 2026.
- From Pain.001 to Programmable Liquidity: ISO 20022 as the Autonomic Nervous System of Treasury in 2026 ISO 20022 pain.001 and pacs.008 in 2026 — how MX-native treasury APIs, structured addresses, and programmable liquidity rebuild the autonomic nervous system of CIB treasury.
- Securing Password Management in Enterprise Banking: Multi-Algorithm Hashing and Upgrades with hsh hsh is a pure-Rust cryptographic framework that enables tier-1 banks to migrate legacy password hashes to Argon2id with zero downtime, integrating HSM peppering and eliminating C-based FFI memory vulnerabilities to meet DORA resilience mandates.
- 2026 Banking Architecture: A Framework for Operational Resilience A three-pillar architectural framework for Tier-1 banks and corporate treasury in 2026: cryptographic stewardship, ISO 20022 as the autonomic data substrate, and rail-agnostic orchestration — designed for DORA-grade operational resilience.
- http-handle: High-Performance, Zero-Dependency Edge Ingress for Banking in 2026 http-handle is a statically linked Rust binary that delivers 180,000 requests per second at the banking edge with zero runtime dependencies, integrated mTLS and JWT validation, ALPN-negotiated HTTP/2 and HTTP/3, and OTLP observability — closing the security and resilience gaps that Nginx and Envoy leave open.
- Turning Markdown into Accessible, SEO-Ready, Structured HTML with Rust in 2026 HTML Generator is a Rust library that turns Markdown into WCAG-compliant, SEO-ready, JSON-LD-enriched HTML — accessibility-as-code, MathML and Mermaid support, and WebAssembly-sandboxed execution for safe enterprise publishing.
- Why YAML Needs a Safer Rust Stack for AI, MCP, and Financial Infrastructure in 2026 NoyaLib, a zero-unsafe Rust YAML 1.2 parser with 406/406 spec compliance, JSON-Schema validation, lossless CST and MCP/WASM bindings for financial infrastructure.
- From Qubits to Profits: Strategic Takeaways from the Economist's 5th Annual Commercialising Quantum Global 2026 Summit Boardroom takeaways from the Economist Impact 5th Annual Commercialising Quantum Global 2026 summit — $1.3B funding surge, no-regrets hybrid stacks, post-quantum cryptography migration urgency, quantum sensing commercialisation, and HSBC's directive that waiting is an unforced error.
- AI-Aware Dotfiles in 2026: Building a Secure, Reproducible Developer Workstation for MCP, SLSA, and Multi-Shell Parity AI-aware dotfiles are a secure, reproducible workstation pattern for the MCP era — declarative configuration via Chezmoi, SOPS/age secrets, SLSA Level 3 provenance, multi-shell parity, and bounded sandbox boundaries for local AI agents.
- Building pacs.008 Automation for the ISO 20022 Interbank Era in 2026 Pacs008 is an open-source Python library that automates ISO 20022 pacs.008 FI-to-FI customer credit transfer generation and validation — structured addresses, BAH head.001 wrapping, BIC/LEI/IBAN checksums, OpenTelemetry UETR tracing — built for the November 2026 SWIFT cutover.
- From Bank Statements to Unified Transaction Intelligence: Building an Open-Source Parser for Treasury Teams BankStatementParser turns CAMT, PAIN.001, CSV, OFX/QFX, MT940, and scanned PDFs into unified transaction models for treasury and finance workflows.
- KyberLib and the Post-Quantum Banking Migration in 2026: From Standards to Code KyberLib turns post-quantum banking migration into inspectable, memory-safe Rust — FIPS 203 ML-KEM, hybrid handshakes, and crypto-agile boundaries.
- CloudCDN: An Open-Source Blueprint for the AI-Native Edge in 2026 CloudCDN turns the CDN into a cryptographically secure, agent-controllable edge control plane — zero-trust MCP gateway, Durable Objects, SLSA Level 3, DORA-ready evidence.
- The Banking Resilience Index in 2026: AI, Cloud, Quantum, Payments, and Third-Party Concentration Risk A 2026 banking resilience index combining AI risk, cloud concentration, quantum-safe security, payment continuity, and critical third-party dependency.
- The Autonomous Treasury Index in 2026: Agentic Treasury, Programmable Liquidity, Tokenised Deposits, and Real-Time Cash Control A 2026 index for autonomous treasury readiness, covering agentic treasury workflows, programmable liquidity, tokenised deposits, real-time payments, and automated cash control.
- The Wholesale Payments Index in 2026: ISO 20022, Tokenised Deposits, Real-Time Rails, and Cross-Border Settlement A 2026 index for wholesale payments readiness, measuring ISO 20022 data quality, tokenised deposits, real-time rails, cross-border settlement, and liquidity efficiency.
- The Cloud Native Banking Index in 2026: DORA, Platform Engineering, Sovereign Cloud, and Operational Resilience A 2026 cloud native banking index for measuring DORA readiness, platform engineering maturity, cloud concentration risk, exit evidence, and operational resilience.
- The Quantum-Safe Banking Index in 2026: Post-Quantum Cryptography, QKD, Crypto-Agility, and Harvest-Now-Decrypt-Later Risk A banking index for quantum-safe readiness in 2026, covering NIST post-quantum standards, cryptographic inventory, crypto-agility, QKD, and long-lived data exposure.
- The Agentic AI Index for Banks in 2026: Measuring Autonomy, Governance, Auditability, and Business Impact An index-style framework for measuring agentic AI readiness in banks, covering autonomy, governance, auditability, reliability, controls, and business value.
- The 2026 Banking Infrastructure Index: Measuring Readiness for Agentic AI, Quantum-Safe Security, Cloud Native Resilience, and Wholesale Payments A Stanford AI Index-inspired banking infrastructure index for 2026, measuring readiness across agentic AI, quantum-safe security, cloud native resilience, and global wholesale payments.
- The Multi-Rail Bank in 2026: Cards, A2A, Stablecoins, RTP, FedNow, and Open Banking in One Strategy FedNow demands pre-funded 24/7 liquidity. ACH is cheap but T+1. USDC clears atomically but needs wallet infrastructure. The 2026 multi-rail bank routes each payment by cost, finality, and liquidity cost — driven by an orchestration engine that reads ISO 20022 pacs.008 and decides.
May 2026
- Post-Quantum Payments Infrastructure: Why Banks May Replace Rather Than Retrofit Legacy Rails Post-quantum cryptography forces a binary choice on payment rails: retrofit RSA/ECC inside SWIFT MT and ISO 20022 envelopes that were never sized for ML-KEM and ML-DSA, or replace with crypto-agile infrastructure. Architects must decide before HNDL becomes operational loss.
- Wholesale Digital Markets in the UK: Tokenised Gilts, Settlement, and the New Champion Role The UK has appointed a Wholesale Digital Markets Champion to force interoperability inside the Digital Securities Sandbox (DSS). Tokenised gilts settle this question first — HQLA on DLT, atomic against tokenised cash, with intraday repo as the prize.
- ISO 20022 After Migration: Turning Payment Data into Banking Products in 2026 ISO 20022 after migration is a data-product opportunity. Structured addresses, purpose codes, invoice details, investigation messages, and richer payment status events can become reconciliation, fraud, liquidity, compliance, and analytics products.
- DORA, the EU AI Act, and Data Sovereignty: The 2026 Compliance Stack for Banks DORA, the EU AI Act, GDPR, cloud concentration risk, and data sovereignty are converging into one 2026 compliance stack for banks.
- Digital Assets in 2026: The Infrastructure Transition Banks Cannot Delay Digital assets are no longer an innovation bet. They are a settlement, custody, and balance-sheet architecture question. The strategic task for banks is infrastructure design under structural uncertainty.
- AI as the Operating System of Payments: Fraud, Routing, Resilience, and Compliance in 2026 AI is becoming the operating system of payments in 2026, moving from analytics into fraud prevention, payment repair, routing, liquidity forecasting, compliance screening, and agentic commerce controls.
- Stablecoins vs Tokenised Deposits in 2026: What Banks Actually Need to Defend Stablecoins and tokenised deposits are converging around programmable settlement, but their balance-sheet, legal, liquidity, and trust models remain different.
- Magnifica Humanitas: An AI-Industry Reading of the First Papal Encyclical on Artificial Intelligence On 25 May 2026, Pope Leo XIV released Magnifica Humanitas, the first papal encyclical devoted to artificial intelligence. Read objectively from inside the technology industry — not as doctrine but as one of the most coherent ethical frameworks yet articulated for the AI and quantum era — it echoes the moral anxieties that accompanied the train, the automobile, nuclear power, and the internet. This is what it means for the industry, for humanity, and why, in the end, the honest reading is one of hope.
- Programmable Liquidity in 2026: AI, Tokenised Deposits, and Real-Time Treasury Orchestration Programmable liquidity in 2026 connects AI forecasting, tokenised deposits, real-time payment rails, virtual accounts, stablecoins, and treasury management systems into one orchestration layer for working capital.
- The UK Payments Forward Plan in 2026: Stablecoins, Open Banking, Tokenised Deposits, and Agentic Payments The UK Payments Forward Plan and April 2026 policy package point to a single coherent framework for traditional payments, stablecoins, tokenised deposits, open banking, and AI-agent payments.
- Agentic Payments in Banking: Consent, Liability, and the New Payment UX in 2026 Agentic payments in 2026 have moved from concept to live transaction. The banking challenge is no longer whether AI agents can initiate payments, but how consent, liability, identity, auditability, fraud controls, and protocol interoperability should work.
- The Renewal of Acid Jazz in the UK: 2026 Artists, Concerts, Albums, and the Return of Groove-Led Live Culture The UK acid jazz renewal in 2026 is visible in Acid Jazz Records releases, Bangs & Talbot, Brand New Heavies with Galliano, James Taylor Quartet at Ronnie Scott’s, Mostly Jazz Funk & Soul Festival, and the broader UK jazz scene’s renewed appetite for groove, soul, funk and dance-floor musicianship.
- Tokenised Deposits in 2026: Banking Services, Stablecoin Competition, and the Status of Programmable Commercial Bank Money 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, stablecoin interoperability, and tokenised capital markets.
- Cloud Native Banking in 2026: Kubernetes, DORA, Sovereignty, and the End of the VM vs Container Divide Cloud native banking in 2026 is about Kubernetes-based platform engineering, DORA-ready operational resilience, VM and container convergence, cloud sovereignty, AI workload placement, data portability, and proof that critical financial services can survive provider disruption.
- Global Wholesale Payments in 2026: ISO 20022, RTGS Renewal, and the Economics of Interoperability Global wholesale payments in 2026 are being reshaped by ISO 20022 harmonisation, RTGS renewal, extended settlement windows, non-bank access, API governance, DLT pilots, and cross-border payment fragmentation. The economic issue is interoperability, not messaging alone.
- The Quantum Cryptography Reset in 2026: PQC Standards, QKD Assurance, and the Migration Work Banks Cannot Defer Quantum cryptography in 2026 is no longer a debate about whether quantum computers are imminent. It is a migration programme across post-quantum cryptography, crypto-agility, quantum key distribution assurance, protocol standards, supplier readiness, and long-lived financial data that is already exposed to harvest-now-decrypt-later risk.
- Agentic Engineering for Banks: A 2026 Blueprint for the C-Suite and the Engineers Who Will Build It Agentic AI has crossed from pilot into production across global banking. 70% of institutions are using it to some degree; only one in five has a mature governance model. Meanwhile, autonomous adversaries are operating at machine speed, the legacy COBOL estate the new systems must interoperate with was written for the batch-processing assumptions of the 1960s, and the EU AI Act's August 2026 high-risk deadline is twelve weeks away. This is the engineering and governance position a bank needs to hold.
- The Best Cloud Infrastructure Architecture in 2026: An AI-Native, Multi-Cloud, Quantum-Aware Blueprint for Financial Services 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 security with crypto-agility, and sustainable high-density operations. For banks, the question is whether to consume cloud or design it — under converging pressure from agentic commerce, agentic unit economics, harvest-now-decrypt-later quantum risk, MCP security and algorithmic contagion, cryptographic agent identity, continuous-treasury demands, and the EU AI Act.
- Stablecoin Yield by Another Name: BlackRock's BRSRV and BSTBL Filings Decoded 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 stablecoins — while behaving, in the wallet, like yield-bearing dollars. A close reading of BRSRV, BSTBL, and the OCC rulemaking they respond to.
- Securing the Ledger: A Board-Level Guide to Post-Quantum Migration for Corporate Finance Quantum risk has moved from research curiosity to active regulatory mandate. With the G7 roadmap published in January 2026, the EU, UK, and ASD timelines clarified, and the BIS Project Leap proving feasibility at the central-bank level, the question for boards is no longer whether to migrate — it is whether the migration can be completed before the cryptographic shelf-life of today's data expires.
- The November 2026 pacs.008 Structured-Address Deadline: A Six-Month View From November 2026, SWIFT CBPR+ requires structured postal addresses in cross-border payment messages. Unstructured address lines (AdrLine alone) will no longer be accepted for key party fields in pacs.008. At minimum, TwnNm and Ctry are required, with StrtNm and BldgNb or PstBx recommended. With six months to go, 65% of payment messages still contain unstructured addresses and 44% of banks remain behind schedule.
- Lucy's Flash Drive Revisited: AI, Quantum and Knowledge Twelve years on, Besson's Lucy reads like a thought experiment about knowledge migrating from flesh to machine — quietly validated by LLMs and qubits.
April 2026
- Quantum Thresholds Are Moving: 10,000-Qubit Shor Risk Shor's algorithm may now run on as few as 10,000 qubits. RSA, ECC and the timeline for post-quantum migration are all moving up. Here's why.
September 2025
- Quantum-Safe Payments: Why the Industry Must Act Now Quantum computing threatens payment system cryptography. The EPAA white paper outlines the structural risk and the urgent case for PQC migration.
April 2024
- Quantum Lattice Crypto: Bug in Chen's LWE Attack A bug in Yilei Chen's quantum LWE algorithm temporarily reprieves lattice-based cryptography. What it means for CRYSTALS-Kyber, Dilithium and the PQC roadmap.
- Quantum Algorithm Challenges Lattice-Based Cryptography A new polynomial-time quantum algorithm by Yilei Chen targets lattice-based cryptography. Implications for post-quantum standards including CRYSTALS-Kyber.
- OpenVoice: Leading Innovation in Voice Cloning Technology OpenVoice from MIT, Tsinghua and MyShell delivers production-grade voice cloning with fine-grained tone, accent and emotion control — and the trade-offs worth knowing.
March 2024
- Fully Homomorphic Encryption (FHE) in a Banking Quantum Era Explore how Fully Homomorphic Encryption revolutionises data security in Banking and the Financial Industry, ensuring privacy against quantum computing threats.
- Advancing AI with Multimodal LLMs: Insights from MM1 Explore Apple's MM1 paper on Multimodal Large Language Models (MLLMs). Learn about their architecture, pre-training strategies, and AI potentials.
- Fast Real-Time Speech Recognition on macOS: OpenAI Whisper Explore how OpenAI Whisper and Metal Performance Shaders are transforming real-time speech recognition on macOS, offering unparalleled speed and accuracy.
- RustLogs (RLG): Structured Logging Library for Rust Discover RustLogs (RLG), the flexible logging library for Rust with structured log formats, asynchronous logging, and extensive customisation options.
- Le Chat by Mistral AI: Multilingual Conversational AI Meet Mistral AI's new multilingual Assistant. An advanced AI that can understand and respond in multiple languages, all in one conversation and in real-time.
February 2024
- Google Gemma AI: Transforming Open-Source AI Development Explore Google's Gemma AI Model: An open-source project offering ethical AI solutions for both personal and enterprise use.
- Unlocking Gemini 1.5: Google's AI Revolution Explained Gemini 1.5 from Google scales context windows past 1M tokens. What that unlocks for retrieval-augmented finance and the trade-offs worth knowing.
- EU's AI Act: Pioneering Ethical AI Regulation Worldwide The EU AI Act sets the first comprehensive framework for ethical, risk-tiered AI regulation worldwide. What changes for banks, vendors and high-risk systems.
- Àkàndé: GPT-Powered Voice Assistant for Executives 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 and keeping all stored data local.
- Generative AI in Advertising: Amazon Rufus and Meta Explore how AI transforms advertising with insights on Amazon's Rufus and Meta's latest developments. Discover the impact on consumer engagement
January 2024
- Audio Analyser: Azure Speech, NLP, and Translation Pipeline Audio Analyser uses Azure Cognitive Services speech-to-text neural models, Text Analytics NLP, and CherryPy to convert audio recordings into searchable transcripts with sentiment scores, keyword extraction, and multilingual translations.
- AI Prompt Engineering 2024: Techniques That Work Prompt engineering controls LLM behaviour at inference time. This article covers zero-shot and few-shot prompting, chain-of-thought reasoning, self-consistency sampling, ReAct tool-use architecture, indirect prompt injection risks, and applied patterns from financial services deployments.
- Alien Studio: My Tech-to Art Journey in Photography Join me on my personal journey from Rust, AI, and Quantum Computing to redefining art and photography through Alien Studio.
- Qiskit and Quantum Fourier Transform for Credit Ratio Analysis Explore how IBM Qiskit and Quantum Fourier Transform revolutionise credit ratio analysis in finance, offering unprecedented accuracy and speed.
- AI Trends 2024: Insights and Predictions for the Future AI trends for 2024: generative AI in finance, multimodal models, on-device LLMs and the shifts that will reshape banking and product engineering.
December 2023
- Revolutionising Finance with AI-Enhanced Quantum Algorithms Explore the transformative role of AI in quantum algorithms for finance, with a focus on their mathematical intricacies and banking applications.
- State of AI and Quantum Computing in Banking: A 2023 Review Exploring 2023's Technological Landscape: AI & Quantum Computing Revolutionising Banking, Rising Open-Source Models, and Evolving Regulations & Governance
- Quantum Key Distribution Revolutionising Security in Banking As quantum computers pose a threat to traditional encryption methods, Quantum Key Distribution (QKD) emerges as a game-changer, offering unparalleled security.
- Efficient Date and Time Management with DateTime (DTT) DateTime (DTT) is a Rust library for parsing, validating, manipulating and formatting dates and times — high precision, broad functionality.
November 2023
- KyberLib: Rust CRYSTALS-Kyber for Post-Quantum A Robust and Quantum-Safe Cryptography Implementation of the CRYSTALS-Kyber Algorithm, to Protect Your Data from Quantum Threats and Cryptanalytic Attacks.
- CRYSTALS-Kyber: The Safeguarding Algorithm in a Quantum Age Discover how CRYSTALS-Kyber, a quantum-resistant cryptography algorithm, is revolutionising the world of cryptography and preparing us for the quantum era.
- Generative AI in 2023: How It Works, Where It Lands Explore Generative AI in 2023: how it works, where it lands first in financial services, and the ethical and architectural questions worth asking.
- Mathematical and Cryptographic Constants for Rust Security Safeguard code integrity with meticulously vetted mathematical and cryptographic constants, bolstering memory and concurrency safety for enhanced code security.
October 2023
- LibMake: Rust Library Scaffold Generator LibMake is a Rust CLI tool that generates a complete library scaffold — Cargo.toml, src/lib.rs with doc templates, test and benchmark harnesses, and GitHub Actions CI — from a single command or a versioned TOML/YAML config file.
- Protecting Data in the Quantum Age: The Hash Library (HSH) HSH uses quantum-resistant cryptographic primitives to protect your data, ensuring its security even in the face of future quantum computing advances.
- Static Site Generator: Fastest Rust-Based SSG Empowering you to create high-impact static websites with infinite possibilities, limitless scalability, and a truly unique web presence that you control.
September 2023
- Automating ISO 20022 Payment Files Creation with pain001 Automate the creation of ISO 20022 pain.001 payment files from CSV or SQLite. pain001 is the open-source Python library that streamlines compliance.
February 2018
- The making of the Express Transaction Credits Platform A technical deep-dive into how the EXTC platform was built on Ethereum ERC-223 in 2018: token architecture, multi-sig disbursements, time-locked transfers, and collateral-backed instant loans.
- Unveiling a new Cryptocurrency and Faster Payment Solution In early 2018, the EXTC platform explored faster cross-border payments via Ethereum ERC-223 smart contracts — an early blueprint for what decentralised finance would later build.
January 2018
- ERC-20: The Ethereum Token Interface That Changed the World ERC-20: The Ethereum Token ERC-20 is the most common type of token used on the Ethereum blockchain and is often referred to as a smart contract digital contract
- Understanding the Technology behind Blockchain A technical introduction to how blockchain works: cryptographic hash chains, Merkle trees, distributed consensus, and why Ethereum's programmable layer transformed a payments ledger into a platform for smart contracts and tokenised assets.
- Blockchain explained, the technology that matters the most A story of the extraordinary journey of securing digital transactions through Private-key Cryptography and Peer-to-peer (P2P) networks.
- Bitcoin: A Year In Review of the First Cryptocurrency Bitcoin: A Peer-to-Peer Electronic Cash System (P2P ECS) that has the potential to revolutionise the way people transact online.