INFRA
Important business services, impact tolerances, severe-but- plausible scenarios, and the operational-resilience programme banks must run.
PAYMENTS & MONEY
Corporate and investment banks now treat cyber recovery, ISO 20022 fallback rails across RTGS, instant and tokenised networks, and quantum-safe treasury controls as one always-on operating model — the board-grade response to DORA Articles 5 and 6, FHE, QKD and PQC primitives, and ICT third-party concentration risk.
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...
APPLIED AI
An engineering blueprint for cloud-native banking in DORA audit phase. Five platform-engineering primitives — Kubernetes paved roads, Backstage portal, GitOps via ArgoCD, Open Policy Agent admission, OpenTelemetry end-to-end — produce Article 8 register evidence at the speed of the pipeline. Tested exit-execution annually for CTPP-dependent CIFs against BIA-derived RTO targets. Sovereign-cloud options (AWS European Sovereign Cloud, Microsoft EU Data Boundary, Bleu, Thales / S3NS) addressed as engineering decisions, not branding.
APPLIED AI
Harvest-now-decrypt-later turns today's TLS-protected payment messages into tomorrow's decrypted exposure. ML-KEM and ML-DSA are an order of magnitude larger than the RSA and ECC keys legacy rails were sized for — retrofit triggers fragmentation, latency, and HSM exhaustion. The 2026 architectural decision is whether to patch or replace before the regulatory clock runs out.
APPLIED AI
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
The 2026 AI operating system for payments wires fraud, routing, resilience, and compliance into a single workflow-speed decisioning layer. The strategic question for banks is design discipline — which AI controls run real time on which workflow — not which point tool to pilot.
APPLIED AI
Cloud native banking in 2026 is no longer a debate about whether banks can use cloud. It is a regulated platform-engineering discipline: how to run critical services across containers, virtual…
