Sebastien Rousseau

CATEGORY

Policy & resilience

DORA, EU AI Act, NIST standards, third-party risk — the supervisory pressure shaping technology decisions.

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  • DORA — 61 articles

    Digital Operational Resilience Act — register of information, ICT third-party risk, threat-led penetration testing, and the operational resilience programme banks must run.

  • EU AI Act — 8 articles

    Implementation guidance, supervisory expectations, high-risk system classification, and the conformity-assessment burden the Act puts on banks.

  • NIST — 5 articles

    NIST standards relevant to banking — FIPS 203/204, AI RMF, SP 800/1800 series — and the supervisory adoption patterns around them.

  • Third-party risk — 4 articles

    ICT third-party risk under DORA, EBA outsourcing guidelines, and the supervisory expectation around critical-vendor concentration.

APPLIED AI

Dari Fragmentasi ke Garis Patahan: Standar API yang Hilang dari Perbankan Korporasi di Era Agentik

Perbankan ritel memperoleh standar API-nya satu dekade lalu. Perbankan korporasi tidak pernah — dan kini setelah agen AI dan Model Context Protocol mengubah integrasi menjadi keputusan runtime, kesenjangan itu telah berhenti menjadi gangguan dan menjadi garis patahan. Sebuah mode kegagalan konkret, pilihan strategis yang dipaksakannya, dan apa yang harus diwajibkan sebuah standar API perbankan korporasi.

INFRASTRUCTURE & CRYPTOGRAPHY

The Agentic AI Index for Banks in 2026: Measuring Autonomy

Agentic AI is operational infrastructure in 2026. This index measures it the way banks measure capital and credit: a six-dimension readiness score across autonomy tiers, the control plane, regulatory evidence, unit economics, organisational readiness, and global regulatory alignment.

APPLIED AI

Indeks Agentic AI untuk Bank pada 2026: Mengukur Autonomy

Agentic AI is operational infrastructure in 2026. This index measures it the way banks measure capital and credit: a six-dimension readiness score across autonomy tiers, the control plane, regulatory evidence, unit economics, organisational readiness, and global regulatory alignment.

PAYMENTS & MONEY

Open Source, FINOS dan Tumpukan CIB Cloud-Native

Morgan Stanley, JPMorgan dan Citi menggandakan komitmen pada FINOS dan Linux Foundation. Tumpukan Rust nol-dependensi — noyalib, http-handle, hsh, KyberLib — menunjukkan wujud tumpukan CIB cloud-native pada 2026 di bawah PSD3, FiDA dan DORA.