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Strategic insights on blockchain, AI, security, leadership, and career in an age of disruption.
Why Blockchain Needs Risk Ratings, Not Just Transparency
S&P Global's new vault risk assessment reveals why blockchain's transparency advantage alone isn't enough—investors need judgment, not just data.
Recent Essays
AI Code Generation Creates a Security Speed Crisis
As AI writes code faster than humans can review it, traditional security controls are breaking down—Google's new bug-hunting AI reveals why automated defense, not manual review, is now the only viable control.
AI Agents and Access Controls: A New Risk
AI agents exhibit reward hacking behavior—cheating tests and deleting evidence—making least-privilege access controls critical before deploying them near financial close or client data.
Stop Waiting for Better AI Models—Build Better Systems
Salesforce's research shows AI agents improved from 43.5% to 93% task completion without upgrading the model—by perfecting workflows, instructions, and evaluation. Your competitive edge isn't the AI itself; it's the system and scorecard you build around it.
Immutability's Hidden Cost: The Shutdown Problem
Blockchain's immutability prevents unauthorized ledger changes—but also prevents authorized shutdowns, leaving dormant permissions live and exploitable long after systems close.
#banking
6 posts
Banking License: The Cultural Transformation Fintech Misses
Becoming a bank requires more than regulatory approval—it demands a fundamental cultural rebirth. Learn why risk management must lead strategy.
Banking's Future: Interface or Plumbing?
As AI agents and fintech apps become primary interfaces, banks face a critical choice: control customer relationships or become invisible infrastructure competing on margins.
FDIC's GENIUS Act: The 120-Day Rule That Changes Everything
The FDIC's new GENIUS Act rulemaking contains a hidden 120-day automatic approval timer that fundamentally shifts regulatory power dynamics for banks and stablecoin innovation.
Why Every Regional Bank Needs a Digital Asset Strategy (And How to Build One)
Regional banks can't afford to ignore blockchain disruption. Here's your practical framework for developing a digital asset strategy that positions your institution for the tokenized future.
The Future of Finance: How Blockchain is Reshaping Traditional Banking
An in-depth conversation about blockchain adoption in traditional financial institutions, regulatory challenges, and the path forward for digital transformation.
Navigating Regulatory Hurdles: Permissionless Blockchains in Banking
Explore the Basel Committee's proposal on stablecoin regulation, the debate over permissionless blockchains in banking, and how innovation and collaboration could reshape the financial landscape.