Sebastien Rousseau
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Policy & resilience

DORA, EU AI Act, NIST standards, third-party risk — the supervisory pressure shaping technology decisions.

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  • DORA — 61 articles

    Digital Operational Resilience Act — register of information, ICT third-party risk, threat-led penetration testing, and the operational resilience programme banks must run.

  • EU AI Act — 8 articles

    Implementation guidance, supervisory expectations, high-risk system classification, and the conformity-assessment burden the Act puts on banks.

  • NIST — 5 articles

    NIST standards relevant to banking — FIPS 203/204, AI RMF, SP 800/1800 series — and the supervisory adoption patterns around them.

  • Third-party risk — 4 articles

    ICT third-party risk under DORA, EBA outsourcing guidelines, and the supervisory expectation around critical-vendor concentration.

APPLIED AI

從碎裂到斷層：智能體時代裡企業銀行缺席的那套 API 標準

零售銀行早在十年前就有了自己的 API 標準。企業銀行始終沒有——如今 AI 智能體與 Model Context Protocol 已把整合變成一項執行期決策，這道缺口已不再只是麻煩，而成了一條斷層線。一個具體的故障模式、它所逼出的策略抉擇，以及一套企業銀行 API 標準必須強制規定什麼。

INFRASTRUCTURE & CRYPTOGRAPHY

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

2026 年銀行智能體 AI 指數：衡量自主性

智能體 AI 在 2026 年已是營運基礎設施。本指數以銀行衡量資本與信用的方式衡量它：橫跨自主性等級、控制平面、法規證據、單位經濟效益、組織準備度與全球法規一致性的六大維度準備度評分。

PAYMENTS & MONEY

開源、FINOS 與雲端原生 CIB 堆疊

Morgan Stanley、JPMorgan 與 Citi 加碼押注 FINOS 與 Linux Foundation。一套 Rust 加零相依的堆疊——noyalib、http-handle、hsh、KyberLib——揭示 2026 年雲端原生 CIB 堆疊在 PSD3、FiDA 與 DORA 之下的真實樣貌。