Joined May 2009
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Jun 11
Regulating the use of AI differs from regulating its development. wsj.com/opinion/the-white-ho…
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In this week's newsletter I tackle the question of AI and identity. When the Agent Has No Name linkedin.com/pulse/when-agen… via @LinkedIn
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Finally, all the #Assyrian #cuneiform tablets at the British library can be deciphered and will reveal a civilisation that was superior to the #Greeks and that western civilisation drew from msn.com/en-my/news/other/sci…
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May 31
Check out the latest article in my newsletter: Custodian the agent's behaviour linkedin.com/pulse/custodian… via @LinkedIn
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May 27
When Anthropic creates ten purpose-built financial agents at Goldman, JPMorgan, Citi, Visa, AIG, Carlyle and FIS in the same week open.substack.com/pub/emmanu…
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May 25
Check out my latest review of future of finance developments this week: The week the rails moved linkedin.com/pulse/week-rail… via @LinkedIn
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May 18
Check out the latest article in my newsletter: When the charter goes to the code linkedin.com/pulse/when-char… via @LinkedIn
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May 10
When Anthropic puts 10 agents into Goldman Sachs, JPMorgan Chase, Citigroup, Visa, AIG, Carlyle and FIS, what’s going on? open.substack.com/pub/emmanu…
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Check out the latest article in my newsletter: Liquidity follows information linkedin.com/pulse/liquidity… via @LinkedIn
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Apr 19
Most bank boards cannot govern AI risk — and regulators are beginning to notice. AI governance will be treated as seriously as credit risk governance. The boards investing now in genuine AI literacy will be better positioned. The others will be explaining failures in retrospect. #FutureOfFinance #AIRisk
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Apr 19
'Meaningful human oversight' of AI is the regulatory requirement. But a human clicking 'approve' without genuine capacity to interrogate the model is not oversight — it is legal cover. That distinction matters enormously when something goes wrong. #FutureOfFinance #AIGovernance
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Apr 19
Microsoft, Google, and Amazon are now competing for the AI infrastructure stack of every major bank. The lesson of cloud — that vendor lock-in is real and expensive — is being learned again in AI, the hard way. Optionality is the strategic posture that matters. #FutureOfFinance #Banking
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Apr 19
When the market converges on similar AI credit models trained on similar data, you get correlated underwriting. The 2008 crisis was partly a story of correlated risk models failing together. AI underwriting is heading the same way. The FSB has flagged it. Boards should too. #FutureOfFinance #CreditRisk
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Apr 19
AI is quietly ending the traditional relationship manager model. Analysts have documented what happens when AI delivers personalised guidance at scale, any hour, any language, with perfect recall. The RM as generalist navigator is becoming structurally unnecessary. #FutureOfFinance #Banking
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Apr 19
The 'Sovereign AI' race is reshaping where banks can deploy frontier models. UAE, Saudi Arabia, India, France, Japan — all building national AI infrastructure with preferential rules attached. Global banks will need multiple AI stacks. One global architecture is a fiction. #FutureOfFinance #SovereignAI
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Apr 19
AI-driven fraud has leapt ahead of AI-driven fraud detection. Deepfake voice and video fraud is now sophisticated enough to fool senior executives. The identity verification problem is fundamentally unsolved again. Point-in-time checks are no longer enough. #FutureOfFinance #Cybersecurity
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Apr 19
The EU AI Act is now in enforcement — and financial services is in the crosshairs. Several institutions have already received formal notices. The compliance burden is real, ongoing, and cross-border. If you built one layer for one jurisdiction, you are already behind. #FutureOfFinance #Fintech
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Apr 19
The open-weight model revolution has given banks real AI sovereignty for the first time. Licensing a proprietary model is renting. Fine-tuning an open model on your own transaction data is owning. The banks that understand this difference will own their AI future. #FutureOfFinance #AIinBanking
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Apr 19
AI agents are no longer pilots. Banks from Singapore to Frankfurt are no longer asking *whether* to deploy them — they're asking which ones, at what decision threshold, and who is legally liable when they go wrong. Governance has not caught up. #FutureOfFinance #Banking
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