Sebastien Rousseau
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Agentic Ai Banking

Articles on AI, post-quantum cryptography, ISO 20022 and the future of payments.

TOPIC

Agentic AI in Banking

Agent control planes, deterministic semantic routing, OPA policy gates, immutable WORM audit logs, and the SR 11-7 / SS1/23 model-risk lens that turns autonomous workflows into supervisory-ready evidence.

The Agentic AI Index for Banks 2026 index diagram for banks and financial institutions in 2026
Agentic AI · AI Banki · Mulkin AI

Agentic AI Index don Bankuna a 2026: Auna Cin Gashin Kai, Mulki, Ikon Binciken Audit, da Tasirin Kasuwanci

· Sebastien Rousseau

Shirin injiniya don agentic AI a bankunan tier-1: rarrabe da izini ba da hankali ba, ɗaukar kowane agent na samar a matsayin model na SR 11-7 / SS1/23 daga rana ta farko, kuma a gina control plane mai sashe biyar — service accounts da aka tsara da OAuth, semantic routing mai tabbaci, OPA policy gates, WORM audit logs marasa canjawa, da kill switch da aka gwada — wanda ke maida kwarara-aikin masu cin gashin kai zuwa shaidar da za a iya bincika.

AI payments operating system diagram showing fraud scoring, multi-rail routing, liquidity forecasting, ISO 20022 data, compliance screening, and exception repair
AI Payments · Fraud Prevention · Routing

AI a Matsayin Tsarin Aiki na Biya: Zamba, Tuƙi, Juriya, da Bin Doka a 2026

· Sebastien Rousseau

Tsarin aiki na AI na biya na 2026 yana haɗa zamba, tuƙi, juriya, da bin doka cikin matakin yanke shawara guda na saurin aiki. Tambayar dabarun ga bankuna ita ce horon zane — wane sarrafawar AI ke gudana ainihin lokaci a kan wane aiki — ba wane kayan aiki za a yi gwaji ba.

Agentic payments architecture diagram showing AI agents, consent mandates, tokenised credentials, card networks, banks, merchants, and audit trails
Biyan Kuɗi Ta Wakili · AI Payments · Mastercard Agent Pay

Biyan Kuɗi ta Wakili a Banki: Yarda, Alhaki, da Sabon UX na Biyan Kuɗi 2026

· Sebastien Rousseau

Biyan kuɗi ta wakili a 2026 ba ra'ayi ba ne kuma: Mastercard da Rabobank sun aiwatar da hada-hada kai tsaye a Netherlands inda AI agent ya fara biyan kuɗi ta Mastercard Agent Pay ba tare da taɓa bayanan kati ba. Umarnin sa hannu masu salon AP2, x402, A2A, MCP da MPP suna fitowa a matsayin Layer na protocol, yayin da EFTA, Regulation E da dokar sabis na biyan kuɗi ta UK har yanzu ba a sabunta su don hada-hada na wakili masu zaman kansu ba. Bankuna yanzu suna buƙatar gine-ginen yarda + sa hannu + alhaki da ke samar da shaida kafin sasantawa — ba tsaron rikici na baya-bayan nan ba.

Agentic engineering architecture diagram for banks — spec-driven AI agents, governance control plane, quantum-safe substrate, and legacy mainframe modernisation flows
Agentic AI · Spec-Driven Development · Banks

Agentic Engineering for Banks: A 2026 Blueprint for the C-Suite and the Engineers Who Will Build It

· Sebastien Rousseau

Agentic AI ya wuce daga gwaji zuwa samarwa. 70% na bankunan suna amfani da shi; ɗaya cikin biyar ne kawai ke da ƙwararre na mulki. Abokan gaba suna aiki da saurin injin, gado ya rubuta don zato na sarrafawa-tari na 1960s, kuma lokacin da ya ƙare na EU AI Act na haɗari mai tsanani yana nesa da makonni goma sha biyu.