Articles on AI, post-quantum cryptography, ISO 20022 and the future of payments.
TOPIC
Generative AI, multimodal LLMs, voice, and speech models — and how they reshape banking operations, customer service, and product engineering at Tier-1 institutions.
Agentic payments in 2026 have moved from concept to live transaction. The banking challenge is no longer whether AI agents can initiate payments, but how consent, liability, identity, auditability, fraud controls, and protocol interoperability should work.
Agentic AI has crossed from pilot into production across global banking. 70% of institutions are using it to some degree; only one in five has a mature governance model. Meanwhile, autonomous adversaries are operating at machine speed, the legacy COBOL estate the new systems must interoperate with was written for the batch-processing assumptions of the 1960s, and the EU AI Act's August 2026 high-risk deadline is twelve weeks away. This is the engineering and governance position a bank needs to hold.
Twelve years on, Besson's Lucy reads like a thought experiment about knowledge migrating from flesh to machine — quietly validated by LLMs and qubits.
OpenVoice from MIT, Tsinghua and MyShell delivers production-grade voice cloning with fine-grained tone, accent and emotion control — and the trade-offs worth knowing.
Explore Apple's MM1 paper on Multimodal Large Language Models (MLLMs). Learn about their architecture, pre-training strategies, and AI potentials.
Explore how OpenAI Whisper and Metal Performance Shaders are transforming real-time speech recognition on macOS, offering unparalleled speed and accuracy.
Meet Mistral AI's new multilingual Assistant. An advanced AI that can understand and respond in multiple languages, all in one conversation and in real-time.
Explore Google's Gemma AI Model: An open-source project offering ethical AI solutions for both personal and enterprise use.
Gemini 1.5 from Google scales context windows past 1M tokens. What that unlocks for retrieval-augmented finance and the trade-offs worth knowing.
The EU AI Act sets the first comprehensive framework for ethical, risk-tiered AI regulation worldwide. What changes for banks, vendors and high-risk systems.
Àkàndé is an open-source Python voice assistant that chains OpenAI Whisper speech recognition, GPT-4 chat completions, and a local SQLite response cache into a voice-driven workflow — generating PDF summaries from conversation history and keeping all stored data local.
Explore how AI transforms advertising with insights on Amazon's Rufus and Meta's latest developments. Discover the impact on consumer engagement
Audio Analyser uses Azure Cognitive Services speech-to-text neural models, Text Analytics NLP, and CherryPy to convert audio recordings into searchable transcripts with sentiment scores, keyword extraction, and multilingual translations.
Prompt engineering controls LLM behaviour at inference time. This article covers zero-shot and few-shot prompting, chain-of-thought reasoning, self-consistency sampling, ReAct tool-use architecture, indirect prompt injection risks, and applied patterns from financial services deployments.
Join me on my personal journey from Rust, AI, and Quantum Computing to redefining art and photography through Alien Studio.
AI trends for 2024: generative AI in finance, multimodal models, on-device LLMs and the shifts that will reshape banking and product engineering.
Explore Generative AI in 2023: how it works, where it lands first in financial services, and the ethical and architectural questions worth asking.