Banking

I wrote about why Headless BI matters for retail banking, and how we're putting it into practice with the Financial Wellbeing Coach, Customer Lifetime Orchestrator, and our AI Hub.

How We Built a Banking Brain That Actually Learns

We talk a big game about Agentic Banking, but our systems are still built like a 1950s diner. Everyone is waiting in a line that never moves. The competitive edge of banking in 2026 isn't just your product—it's your latency to insight.

Here is my first rant of 2026: Why your banking app feels less like a helpful tool and more like a tax form with buttons, the missing ingredient in your banking app is not better code or AI or Agents; it’s love.

Here is the hard truth: Bankers do not care about Data Quality. They care about Money Quality.

If we ran grocery stores the way we run banks data, we’d all starve. I’m serious. I’ve sat in the meetings. I’ve nodded along. I’ve helped build the Data Lakes.

I set out to prove this concept. My goal: build “BankAssist-SLM”, a specialized SLM capable of taking cryptic transaction strings (e.g., POS PUR 5942 MOONPAY.COM VALETTA MT) and accurately categorizing them, identifying the merchant, and flagging.

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