How AI actually finds its way into a bank
Somewhere right now, a founder is sitting in front of a model that works. It predicts fraud better than legacy...
AI rewriting the rules of banking
Over the past year, a quiet but profound shift has taken place across the financial services industry. AI has moved beyond experimentation...
AI to become core infrastructure in US banking in 2026
For the better part of a decade, AI in banking lived in the margins, pilots in innovation labs, fraud tools quietly improving...
Data capital and the new governance table
Banks and large non-bank financial institutions are being asked to do two things at once: accelerate data-driven decisioning and AI,...
LLMs are not your AI strategy
If you lead a bank today, you are almost certainly hearing some version of the same message from every direction: “We need...
How AI could deliver a 21st-century regulator and a more efficient financial system
When I first joined the Consumer Financial Protection Bureau, we were still building the agency from the ground up: its...
Change up the model and change up the price of fraud for banks
AI-driven underwriting and claims automation change the math for banks by making fraud a priceable, transferable risk instead of a...
Move trust, not data: How Section 1033 can make open banking work
Open banking will not be won by moving data faster. It will be won by moving trust. As Section 1033...
