Sebastien Rousseau
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Applied AI

Generative AI, agentic systems, governance, and the LLM tooling that lands in banking workflows.

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  • AI — 67 articles

    Applied AI in financial services — model deployment, governance, AI agents, LLM tooling, and the AI infrastructure that runs in banking environments.

  • Agentic AI — 12 articles

    Autonomous AI agents in payments, treasury, and back-office banking — consent, liability, audit trails, and protocol interoperability.

  • AI governance — 10 articles

    Model risk, EU AI Act conformity, NIST AI RMF, board-level accountability, third-party AI vendors, and the compliance stack for AI in banks.

  • LLM — 5 articles

    Large language models in financial workflows — fine-tuning, RAG, prompt engineering, on-device LLMs, and inference cost economics.

  • Generative AI — 4 articles

    Generative models for banking — code, content, search, simulation — and the engineering required to ship them safely.

APPLIED AI

从碎片化到断层线：智能体时代企业银行缺失的 API 标准

零售银行十年前就有了自己的 API 标准，企业银行却始终没有。如今 AI 智能体与 Model Context Protocol 已把集成变成运行时决策，这道缺口不再只是烦扰，而成了断层线。一个具体的失效模式、它逼出的战略抉择，以及一套企业银行 API 标准必须强制规定什么。

APPLIED AI

Reading the Emerging-Technology Risk Horizon for Banks in 2026

Regulators have started scanning the horizon out loud. Reading the 2026 emerging-technology landscape for banks across three converging vectors — personalised AI intelligence, synthetic financial crime, and programmable finance — and a framework for turning weak signals into supervisory action before harm scales.

APPLIED AI

2026 年银行 Agentic AI 指数：衡量自主性

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

2026 智能体司库：从自治司库指数到生产级副驾

2026 年，智能体司库副驾正从受控试点迈入生产。CIB 司库的模式保持一致：智能体读取 ISO 20022 现金数据、调用有边界的工具，并在政策带内再平衡流动性——外围嵌入 SR 11-7、DORA 与 EU AI Act 控制。

APPLIED AI

从 pain.001 到可编程流动性：2026 年 ISO 20022 作为司库的自主神经系统

2026 年的 ISO 20022 是司库的自主神经系统。pain.001 与 pacs.008 承载的数据丰度远超任何 MT 报文。近半数银行仍未按期完成 2026 年 11 月 SWIFT MT/MX 切换准备，结构化地址成为强制项，离开 MX 原生 API 智能体司库无从谈起。本文绘出从 CBPR+ 校验规则到带 PstlAdr 字段的真实 pain.001 片段的工程实况。

APPLIED AI

CloudCDN：2026 年 AI 原生边缘的开源蓝图

CloudCDN 是面向 AI 原生边缘的开源蓝图——零信任 MCP 网关提供 42 个工具、Durable Objects 原子速率限制、WebAuthn 通行密钥、签名 URL、SLSA Level 3 构建溯源，3,185 项测试 100% 覆盖，并映射至 DORA、BCBS 239 与 Basel III。