Sebastien Rousseau
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PAYMENTS

Programmable liquidity

Real-time treasury, intraday liquidity orchestration, programmable balance-sheet, and the agentic-treasury stack.

5 articles

APPLIED AI

From Fragmentation to Fault Line: Corporate Banking's Missing API Standard in the Agentic Era

Bankin dillanci ya sami ma'aunin API nasa shekaru goma da suka wuce. Bankin kamfanoni bai taɓa samu ba — kuma yanzu da agentocin AI da Model Context Protocol suka mai da haɗakarwa zama shawara ta lokacin gudanarwa, gibin ya daina zama abin damuwa kaɗai ya zama layin karyewa. Yanayin gazawa mai bayyanawa, zaɓin dabarun da yake tilastawa, da abin da ma'aunin API na bankin kamfanoni dole ne ya wajabta.

APPLIED AI

Agentic Treasury 2026: Daga Autonomous Treasury Index zuwa Co-Pilots na Matakin Samarwa

Agentic treasury co-pilots suna motsi daga gwaji da aka sarrafa zuwa cikin samarwa a 2026. Tsarin yana daidai a fadin treasury na CIB: wakilai suna karatun bayanan kuɗi na ISO 20022, suna kiran kayan aiki masu iyaka, kuma suna daidaita liquidity a cikin layukan manufofin — tare da sarrafa SR 11-7, DORA, da EU AI Act a kewayen su.

APPLIED AI

Daga Pain.001 zuwa Kuɗi Mai Shirye-shirye: ISO 20022 a Matsayin Tsarin Jijiya na Baitulmali a 2026

ISO 20022 a 2026 shi ne tsarin jijiya mai aiki da kansa na baitulmali. pain.001 da pacs.008 suna ɗauke da bayanai masu yawa fiye da yadda kowane saƙon MT ya taɓa yi. Kusan rabin bankuna har yanzu ba sa kan hanya don yankan SWIFT MT/MX na Nuwamba 2026, adireshin tsararru sun zama tilas, kuma baitulmalin wakilci ba zai iya kasancewa ba tare da APIs na MX-native ba. Wannan labarin ya tsara hakikanin injiniyanci, daga ƙa'idodin tabbatar da CBPR+ zuwa wani guntu na pain.001 na gaske mai filayen PstlAdr.

APPLIED AI

Ruwa-ruwa Mai Shiri 2026: AI, Adibassu Tokenised, da Ma'aikatar Kuɗi

Ruwa-ruwa mai shiri a 2026 yana haɗa hasashen AI, adibassu da aka mai da su zuwa tokens, hanyoyi na lokaci na ainihi, asusu na kwamfuta, stablecoins, da TMS zuwa tsari guda na babban birni mai aiki. Tambayar dabaru ga bankuna ita ce ladabin tsari: wane bayanai, hanyoyi, sarrafawa, alhakai, da ayyukan abokan ciniki sun haɗu — kuma yadda ake shaida tsarin ga abokan ciniki da masu kulawa.