ai

In my 2025 Year in Review, I discuss the 'Architecture of Empathy.' I share the books that rewired my brain this year, the deep personal losses that shaped my view on AI, and why I am fighting to build an 'Invisible Bank' that actually cares.

The "Cloud Tax" is currently a key impediment for many Enterprise AI strategies. Between latency, privacy risks, and exploding costs, scaling AI can feel like an uphill battle. But the solution isn't just "more cloud"—it's a smart Hybrid Architecture

The "AI tourism" in banking is officially over; the true differentiator now lies in the industrialization of intelligence.

The single biggest risk to your bank right now isn't a competitor—it's the failure to connect your own initiatives.

Is Your Bank Prepared for the "Growth Singularity"? I apply Nobel-winning economic theory (from Romer's endogenous growth to Schumpeter's Creative Destruction) to analyze AI's true impact on finance.

This report explores the dual nature of economic growth, from its power to lift billions from poverty to its role in driving unprecedented environmental crises.

The cloud-LLM paradigm is a strategic dead end—a high-latency, stateless, and unsustainable 'mainframe' model.

as AI permeates every facet of our lives, a fundamental gap persists: the absence of genuine subjective experience, or sentience.

Banking as we know it is a chore—a relic of a pre-AI era. We've moved from reactive dashboards to the promise of empathetic AI coaches, but the final evolution is far more radical: a completely invisible financial world.