Notes from the execution phase.
Governance is not the brake. It is the gearbox.
Under the EU AI Act, DORA and GDPR, the institutions that govern AI well are the ones able to move fastest — because they can defend what they deploy.
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31% of Consumers Are Already Asking Conversational & Agentic AI About Money. Is Your Bank Losing the First Financial Conversation?
The biggest threat from conversational AI in banking is not that customers will stop using banks. It is that they may stop asking banks first. For decades, financial institutions controlled the most valuable moment in the customer journey: the moment a person had a financial question.
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Fighting AI-powered fraud with AI
Deepfakes, synthetic identities and automated social engineering are changing the threat model faster than most detection stacks were designed to handle.
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How much authority should an AI agent have in a bank?
Agentic systems are already executing regulated payments in Europe. The design question has moved from capability to authority — who decides, who approves, who is accountable.
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12,000+ Financial Institutions. 200M+ Monthly Users. The Real Story Behind ChatGPT, Conversational AI in Banking and Agentic AI
ChatGPT can now understand your financial life. The next question is whether AI will eventually be able to act on it.
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