Sebastien Rousseau
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AI Mai Aiki a Bankin

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

TOPIC

Applied AI in Banking

AI mai samar da abu, manyan LLM masu yanayi da yawa, murya da samfuran magana — da yadda suke sake gyara ayyukan banki, kula da abokin ciniki da injiniyan samfur a manyan cibiyoyi.

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.

Abstract visualisation of neural networks and quantum atomic arrays. A black computer forming from rearranging particles
Lucy · Luc Besson · Scarlett Johansson

Lucy's Flash Drive Revisited: AI, Quantum & Knowledge

· Sebastien Rousseau

Shekaru goma sha biyu bayan fim ɗin Lucy na Luc Besson, tsakiyar misalin ƙaurar ilimi daga jiki zuwa na'ura an tabbatar da shi ba tsammani ta LLMs, neutral atom qubits, da whole-brain emulation.

A white, spherical modern device
Àkàndé · GPT4 · WhisperSTT

Àkàndé: GPT-Powered Voice Assistant for Executives

· Sebastien Rousseau

Àkàndé wani open-source Python voice assistant ne wanda ke haɗa OpenAI Whisper speech recognition, GPT-4 chat completions, da SQLite response cache na gida cikin workflow mai amfani da murya — yana samar da PDF summaries ta hanyar fpdf2 kuma yana adana duk bayanan a gida ba tare da cloud persistence ba.

A minimalist, modern corporate office
Azure · CherryPy · SpeechToText

Audio Analyser: Azure Speech, NLP, and Translation Pipeline

· Sebastien Rousseau

Audio Analyser kayan aikin Python ne na buɗe tushe wanda ke haɗa Azure Cognitive Services speech-to-text, Text Analytics NLP, da Translator a cikin aikace-aikacen CherryPy guda ɗaya — yana mai da rikodin sauti zuwa fassarar da aka tsara, kimantawar ji, da fassara zuwa yarurruka da yawa ba tare da kulle ga girgije ba fiye da Azure SDK.

A man analysing data on screens
Prompt Engineering · ChainOfThought · ZeroShot

AI Prompt Engineering 2024: Techniques That Work

· Sebastien Rousseau

Injiniyan prompt yana tsara shigar LLM a lokacin inference — ba tare da sabunta nauyi ba. Labarin yana rufe dabarun da aka tabbatar suna da inganci a 2024: zero-shot task framing (Brown et al., 2020), chain-of-thought reasoning (Wei et al., 2022), self-consistency sampling (Wang et al., 2022), ReAct agent loops (Yao et al., 2022), haɗarin indirect prompt injection (Greshake et al., 2023), da ƙirar RAG daga ayyukan kuɗi.

Abstract neural network visualisation in blue and purple tones representing AI processing
Generative AI · LLM · GPT-4

Generative AI in 2023: How It Works, Where It Lands

· Sebastien Rousseau

Generative AI ya wuce daga bincike zuwa aiwatarwa a 2023. GPT-4, Claude 2, Llama 2, da Mistral sun nuna cewa large language models na iya sarrafa duba takardun shari'a, samar da code, da tattaunawar abokan ciniki a ingancin da ya dace da ɗan adam — wanda ya haifar da tambayoyin gaggawa na gudanarwa game da hallucination, zubewar bayanai, da bin ƙa'idoji a ayyukan kudi.