LEADERSHIP
The banking industry as the editorial subject — what's changing, why, and what it means for technology, payments, risk, and the operating model.
APPLIED AI
The FCA's position is that you don't need a new rulebook to regulate a new technology when your existing rules already ask what the technology does to people and markets, and it is applying that position to AI in UK...
APPLIED AI
Financial services has spent 20 to 25 years treating modernisation as a project with an end date. Opening the Oracle Financial Services Summit in London, Dr. Leda Glyptis argued that the industry's weaker record is...
POLICY & RESILIENCE
Supervisors have spent two years reading exit plans that assume an exit nobody has priced, budgeted or rehearsed. In January the most durable excuse for that stops being available.
POLICY & RESILIENCE
Financial entities learned to answer the NIS2 question with one sentence about DORA. That sentence is correct, and it is about to be applied to a regulation it was never written for.
APPLIED AI
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.
PAYMENTS & MONEY
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
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
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
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
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
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
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
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
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
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
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
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
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) promises to redefine data security in Banking and the Financial Industry. By enabling computations on encrypted data, FHE safeguards privacy against both…
APPLIED AI
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
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
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
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
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 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.
