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.
POLICY
EU AI Act
Implementation guidance, supervisory expectations, high-risk system classification, and the conformity-assessment burden the Act puts on banks.
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.
APPLIED AI
From Fragmentation to Fault Line: Corporate Banking's Missing API Standard in the Agentic Era
Retail banking got its API standard a decade ago. Corporate banking never did — and now that AI agents and the Model Context Protocol have turned integration into a runtime decision, the gap has stopped being a nuisance and become a fault line. A concrete failure mode, the strategic choice it forces, and what a corporate banking API standard has to mandate.
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.
APPLIED AI
Agentic Treasury 2026: From Autonomous Treasury Index to Production-Grade Co-Pilots
Agentic treasury co-pilots are moving from controlled pilots into production in 2026. The pattern is consistent across CIB treasuries: agents read ISO 20022 cash data, call bounded tools, and rebalance liquidity inside policy bands — with SR 11-7, DORA, and EU AI Act controls wrapped around them.
APPLIED AI
DORA, the EU AI Act, and Data Sovereignty: The 2026 Compliance Stack for Banks
DORA, the EU AI Act, GDPR, cloud concentration risk, and data sovereignty converge into one 2026 compliance stack for banks. The strategic question is design discipline — running compliance, AI governance, ICT-resilience evidence, and sovereign-data choices as one architecture, not five parallel programmes.
APPLIED AI
Magnifica Humanitas: An AI-Industry Reading of the First Papal Encyclical on Artificial Intelligence
On 25 May 2026, Pope Leo XIV released Magnifica Humanitas — the first papal encyclical on artificial intelligence. Read from inside the technology industry, not as doctrine but as an ethical framework, it echoes every moral anxiety that accompanied the train, the automobile, nuclear power, and the internet, and lands on hope.
APPLIED AI
Agentic Engineering for Banks: A 2026 Blueprint for the C-Suite and the Engineers Who Will Build It
Agentic AI has crossed from pilot into production across global banking. Seventy per cent of institutions are using it to some degree; only one in five has a mature governance model. Meanwhile,…