APPLIED AI
Your High-Risk Deadline Moved to December 2027. Your Chatbot's Did Not.
Relief on the high-risk file arrived nine days ago. The risk now is that banks read one deferral and stand down a programme that still has an obligation biting today.
LEADERSHIP
Banking
The banking industry as the editorial subject — what's changing, why, and what it means for technology, payments, risk, and the operating model.
PAYMENTS & MONEY
The Wallet Ships in December. Banks Must Accept It a Year Later.
For a decade banks have owned the login. eIDAS 2 turns identity into something the customer carries and the bank is obliged to accept on request.
PAYMENTS & MONEY
PSD2 Made Banks Build an API. FiDA Makes Them Join a Market.
Under PSD2 a bank could comply alone: build the endpoint, publish the spec, done. FiDA has no unilateral path. Compliance runs through a scheme, and the scheme is being designed right now.
APPLIED AI
Out of Scope Is Not Out of Risk: The 2026 Model-Risk Rewrite Left Out the Models Banks Are Actually Deploying
Fifteen years of model risk doctrine was rewritten in April, and the one paragraph that will matter most to a 2026 risk committee is the one that says which models the guidance does not cover.
INFRASTRUCTURE & CRYPTOGRAPHY
The Red Team Became a Supervised Supply Chain: What DORA's TLPT Regime Actually Demands
Most banks have costed the test. Fewer have costed the supply chain it now depends on: an accredited tester market on a synchronised three-year clock, and threat intelligence that must come from outside every single time.
INFRASTRUCTURE & CRYPTOGRAPHY
You Cannot Migrate What You Cannot Enumerate: The Cryptographic Bill of Materials Banks Still Do Not Have
Every post-quantum roadmap assumes an inventory that does not exist. The asset register knows the server, the owner and the criticality; it does not know the algorithm, the key length, the library or the expiry.
PAYMENTS & MONEY
Verification of Payee in Production: Nine Months of Close Matches, Bulk Files, and Unpriced Liability
Payee verification stopped being a competitive feature the day it became a legal obligation. What remains is an operations problem: a five-second budget, an ambiguous middle answer, and corporate files that must be taken apart before they can be checked.
APPLIED AI
From Evidence to Truth: Why Certified Blockchains Will Define the Next Era of Banking Trust
Immutable is not the same as trusted. As instant settlement and probabilistic AI reshape banking, the uncertified ledger becomes the weak link, and a certifiable blockchain becomes the audit spine.
APPLIED AI
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.
INFRASTRUCTURE & CRYPTOGRAPHY
The 2026 Post-Quantum Security Scorecard: A Board-Level Metric Framework
As of June 2026, post-quantum cryptography (PQC) has transitioned from an experimental technical concern to a primary fiduciary obligation. Boards must now oversee the systematic migration of legacy encryption...
PAYMENTS & MONEY
The Post-Quantum Banking Resilience Index in 2026: EO 14409, Global Deadlines, and Fiduciary Cryptographic Agility
Executive Order 14409, ANSSI's hard 2030 deadline and DORA Article 5 have moved post-quantum cryptography from a long-range technical goal to an active regulatory mandate. This index converts securing registries, high-frequency ledgers and SWIFT channels into a board-ready 0–5 scorecard that aligns ML-KEM, ML-DSA and SLH-DSA primitives with fiduciary liability and balance-sheet risk.
INFRASTRUCTURE & CRYPTOGRAPHY
Quantum Dawn for CIB: From KyberLib to a Quantum-Resilient Payments Stack
BIS Quantum Dawn and the G7 January 2026 PQC roadmap have moved post-quantum cryptography from research to board agenda. This piece extends KyberLib from a toolkit into an enterprise CIB transition programme — covering high-value rails, trade finance, custody, and the disclosures regulators are now asking for.
INFRASTRUCTURE & CRYPTOGRAPHY
Securing Password Management in Enterprise Banking: Multi-Algorithm Hashing and Upgrades with hsh
In the era of GPU-accelerated decryption and DORA mandates, cryptographic rot is a systemic risk. Every legacy PBKDF2 or scrypt hash resting in a banking database is a countdown to compromise. hsh changes the paradigm with zero-downtime, memory-safe upgrades...
POLICY & RESILIENCE
http-handle: High-Performance, Zero-Dependency Edge Ingress for Banking in 2026
The banking edge has a dependency problem. Every Nginx or Envoy instance that routes traffic between a client and a core banking service carries a dependency tree: OpenSSL builds, Lua modules,…
APPLIED AI
Fully Homomorphic Encryption (FHE) in a Banking Quantum Era
Fully Homomorphic Encryption (FHE) promises to redefine data security in Banking and the Financial Industry. By enabling computations on encrypted data, FHE safeguards privacy against both…
APPLIED AI
Qiskit and Quantum Fourier Transform for Credit Ratio Analysis
Imagine a missed loan that could have been predicted. A seemingly low-risk borrower defaults, leaving a bank reeling from unexpected losses. This scenario, once a common pitfall in the world of…
APPLIED AI
Revolutionising Finance with AI-Enhanced Quantum Algorithms
The financial landscape is poised for a groundbreaking transformation driven by the convergence of artificial intelligence (AI) and quantum algorithm design.This revolution in finance isn't raw…
APPLIED AI
State of AI and Quantum Computing in Banking: A 2023 Review
In 2023, the intersection of Artificial Intelligence (AI) and Quantum Computing (QC) has profoundly impacted the banking and financial industry. These technologies have revolutionised the way…
APPLIED AI
Quantum Key Distribution Revolutionising Security in Banking
The banking and financial industry is undergoing a revolutionary transformation in data security, driven by the emergence of Quantum Key Distribution (QKD). This groundbreaking innovation, based…
APPLIED AI
CRYSTALS-Kyber: The Safeguarding Algorithm in a Quantum Age
In my previous article, [Protecting Data in the Quantum Age ⧉][03], I delved into the impending threat of quantum computing to digital security and looked at how quantum-resistant cryptography…
APPLIED AI
Generative AI in 2023: How It Works, Where It Lands
Generative AI crossed from research curiosity to production deployment in 2023. GPT-4, Claude 2, Llama 2, and Mistral demonstrated that large language models could handle legal document review, code generation, and customer dialogue at human-comparable quality — raising immediate governance questions about hallucination, data leakage, and regulatory compliance in financial services.