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Perspectives

Practitioner views on banking, insurance and the technology underneath.

Research and points of view from the teams doing the work — on AI, fraud, mobile, embedded insurance and the core platforms that hold it all together. Published in full, never gated.

Latest articles

A bank lounge at dusk, with a customer's hand holding a smartphone in the foreground as a translucent gold conversational interface floats toward a calm service desk, rendered in deep forest green and gold.
Viewpoint 8 min read

AI and the banking
customer experience

Where AI genuinely improves banking customer experience, the data and governance it depends on, and how to measure outcomes beyond deflection.

Architectural scale models of a modern house and a car on dark stone, enclosed by a fine dome of gold light, with golden data threads linking them to a blurred tablet checkout, in deep forest green and gold.
Briefing 8 min read

Embedded insurance for
home and auto

Cover sold inside the car or home purchase converts well, but only the right model, APIs and conduct controls make it last.

Abstract network of luminous gold transaction nodes flowing across a dark green field, with a few anomalous nodes isolated inside fine translucent geometric shields.
Viewpoint 8 min read

Mitigating fraud in
financial services

Fraud now targets customers' judgement, not just bank controls. How to rebuild detection, governance and operations for real-time payments.

Two premium smartphones on dark green marble, their screens showing an abstract gold banking interface with translucent cards lifting off the display, city lights blurred in the background.
Insight 8 min read

Mobile banking trends
shaping 2027

From AI assistants and real-time payments to passkeys and modular architecture, the seven trends redefining the mobile banking app, and where to start.

Abstract top-down view of an operations workflow in which stacks of documents become ordered streams of gold light flowing through precise brass gears and translucent gates, emerging as aligned blocks, with a single gold ring marking a human checkpoint.
Briefing 8 min read

Using AI to optimise
financial services operations

Operational cost hides in exceptions and documents. Here is how to apply AI there, with redesigned processes, strong controls and measurable results.

A monumental dark green stone monolith with a vertical gold seam, surrounded by translucent modular layers, with fine gold circuitry flowing outward into a network of services
Viewpoint 8 min read

AI-native core banking,
beyond the label

What AI-native core banking should mean beyond the marketing, the architecture behind it, and how to choose a migration path.