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Strategic insights on blockchain, AI, security, leadership, and career in an age of disruption.
Digital Money Choices Are Really Dependencies
Banks face a critical tradeoff when offering digital money: control, speed to market, and deposit flows. Each option—stablecoins, bank-issued tokens, or tokenized deposits—is fundamentally a dependency decision that requires treasury and accounting alignment before implementation.
Recent Essays
AI in Finance: Who Owns the Model's Output?
As OpenAI's ChatGPT for finance reshapes banking workflows, the real question isn't adoption—it's control. Financial services leaders must establish review processes that preserve client accountability and competitive moat.
Crypto Crisis Readiness: Run Your Tabletop Now
The $6.3B Binance breach exposed a critical gap: most organizations can't answer basic questions about their crypto exposure in a crisis. Tabletop exercises focused on asset lockup—not just data breaches—are essential.
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.
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.
#competitive advantage
6 posts
AI in Finance: Who Owns the Model's Output?
As OpenAI's ChatGPT for finance reshapes banking workflows, the real question isn't adoption—it's control. Financial services leaders must establish review processes that preserve client accountability and competitive moat.
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.
Your Data Is the Moat, Not the AI Model
AI models are commoditizing with identical outputs. Your competitive edge comes from proprietary context and data, not which model you choose.
AI Homogenization: Why Differentiation Matters Now
As AI tools commoditize professional work, differentiation shifts from speed to unique perspective. Discover how to stand out when everyone has access to the same models.
Why AI Costs Are About to Plummet
OpenAI's custom chip signals a phase shift: inference costs will industrialize like Bitcoin mining did. The real competitive advantage belongs to whoever operationalizes AI across workflows first, not whoever builds the biggest model.
AI Is Killing Information Products—What's Your Canary?
Tim Ferriss's book sales reveal a critical pattern: AI is disrupting information-based business models. Discover what your firm needs to transform before it becomes obsolete.