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The AI Race Isn't About Technology Anymore. AI adoption is accelerating: What Every Credit Union Needs to Know
The transformation is already underway. Cornerstone Advisors finds 59% of credit unions have deployed generative AI. The NCUA’s 2026 Supervisory Priorities make AI governance an examination focus. Here is the full picture: the evidence, the compliance obligations, and how to move forward. A few months ago, I was sitting across the table from a credit union executive team during a lending transformation discussion. About halfway through the meeting, someone asked a question th
Pankaj Jain
Jul 6
AI Data Centres and Water Crisis
Imagine telling someone ten years ago that a conversation with a robot would need water. Lots of it! They would probably laugh. But, here we are. If you've opened social media recently, you've probably seen people arguing about the water crisis. Mumbai, with depleted reservoirs leaving residential areas without daily running water. Just a few hours away, Pune has cracked down on non-essential consumption by cutting off supply to public swimming pools and construction sites. A
Ankita Tiwari
Jun 23
An AI Bubble Burst Scenario You Should Watch!
At Straterix, we have built some of the most powerful tools for generating forward looking scenarios. These tools not only enable more efficient stress tests and risk-aware strategic planning, but also make it possible to ask meaningful “what if” questions and obtain highly insightful results within minutes. Given the widespread concern that current AI related valuations may be displaying bubble-like characteristics, we ran such a "what-if" query - and are sharing some of our
Alla Gil
Jun 17
RECENT POSTS
AI Governance Is Becoming Agent Governance
Models generate. Agents act. Governance must follow the action. By 2027, Gartner expects 40 percent of enterprises to demote or decommission autonomous AI agents. Not because the agents stopped working. Because of governance gaps that surfaced only after a production incident. The analyst behind the forecast, Shiva Varma, put the cause plainly. Enterprises treat agent governance as a binary, either locked down or fully trusted, and that is the root of the failure. That number
Alan L. Paris
3 days ago
AI Insights: Key Global Developments in July 2026
Welcome to the July 2026 Ed. of our global AI update. Over the past few weeks, there have been plenty of new model launches from companies like OpenAI, Google, and Anthropic, but what really stands out is how quickly AI is finding its way into everyday products, business tools, and workflows. It's no longer just about building better models. Companies are also spending a lot more time making AI easier to use, building the infrastructure behind it, and figuring out how to use
Staff Correspondent
Jul 14
The Universe Didn't Accidentally Produce Consciousness, and AI Is the Next Chapter
So, I've been thinking about AI and the universe. Not in the way most people are thinking about AI right now, the jobs, the regulations, the existential risk headlines. Deeper than that. More fundamental. What if the emergence of artificial intelligence isn't primarily a technological story? What if it's an evolutionary one? That question is what drove me to develop a philosophical framework I call Emergent Participatory Cosmism. I've spent some time building it into a full a
Dr. Moody Amakobe
Jul 12
WEEKLY TOP
Replicating Portfolios in Banking: A Literature Review on Asset-Liability Management, Interest Rate Risk, Liquidity Risk, and Funds Transfer Pricing
Banks face significant challenges in managing liabilities without contractual maturities—such as demand deposits and savings accounts—due...
Chih Chen
May 8, 2025
The Future of Risk: Emerging Themes in Reinsurance
The reinsurance sector is undergoing a structural transformation as it grapples with an increasingly complex and interconnected global...
David Withnell
Apr 21, 2025
FRTB compliance: Options for banks with small trading books in the United Arab Emirates
The Fundamental Review of the Trading Book (FRTB) is a flagship market risk regulation that is a game changer for financial institutions. For FRTB compliance, banks in the United Arab Emirates (UAE) have a choice between the Internal Model Approach (IMA) and the Standardised Approach (SA). Within the SA, banks can use the advanced approach based on risk sensitivities or a simplified standardised approach (SSA). The decision for FRTB compliance should be thought through care
Ram Ananth
Mar 23, 2025
EDITOR'S PICK
RECENT POSTS
The AI Race Isn't About Technology Anymore. AI adoption is accelerating: What Every Credit Union Needs to Know
The transformation is already underway. Cornerstone Advisors finds 59% of credit unions have deployed generative AI. The NCUA’s 2026 Supervisory Priorities make AI governance an examination focus. Here is the full picture: the evidence, the compliance obligations, and how to move forward. A few months ago, I was sitting across the table from a credit union executive team during a lending transformation discussion. About halfway through the meeting, someone asked a question th
Pankaj Jain
Jul 6
AI Data Centres and Water Crisis
Imagine telling someone ten years ago that a conversation with a robot would need water. Lots of it! They would probably laugh. But, here we are. If you've opened social media recently, you've probably seen people arguing about the water crisis. Mumbai, with depleted reservoirs leaving residential areas without daily running water. Just a few hours away, Pune has cracked down on non-essential consumption by cutting off supply to public swimming pools and construction sites. A
Ankita Tiwari
Jun 23
An AI Bubble Burst Scenario You Should Watch!
At Straterix, we have built some of the most powerful tools for generating forward looking scenarios. These tools not only enable more efficient stress tests and risk-aware strategic planning, but also make it possible to ask meaningful “what if” questions and obtain highly insightful results within minutes. Given the widespread concern that current AI related valuations may be displaying bubble-like characteristics, we ran such a "what-if" query - and are sharing some of our
Alla Gil
Jun 17
RECENT CONTRIBUTORS
Danny Dieleman
Senior Treasury Executive
at a Leading European Bank
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Adrian Munday
Global Head of Operational, Technology and Cyber Risk
at Standard Chartered
Moorad Choudhry
Board Advisor
at Surya Fintech
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Riskinfo.ai: Revolutionizing Risk, Regulations, and AI Knowledge Sharing
Revolutionizing Risk, Regulations, and AI: Introducing Riskinfo.ai
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Replicating Portfolios in Banking: A Literature Review on Asset-Liability Management, Interest Rate Risk, Liquidity Risk, and Funds Transfer Pricing
Banks face significant challenges in managing liabilities without contractual maturities—such as demand deposits and savings accounts—due...
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The Future of Risk: Emerging Themes in Reinsurance
The reinsurance sector is undergoing a structural transformation as it grapples with an increasingly complex and interconnected global...
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Apr 21, 2025
FRTB compliance: Options for banks with small trading books in the United Arab Emirates
The Fundamental Review of the Trading Book (FRTB) is a flagship market risk regulation that is a game changer for financial institutions. For FRTB compliance, banks in the United Arab Emirates (UAE) have a choice between the Internal Model Approach (IMA) and the Standardised Approach (SA). Within the SA, banks can use the advanced approach based on risk sensitivities or a simplified standardised approach (SSA). The decision for FRTB compliance should be thought through care
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EDITOR'S PICK
EDITOR'S PICK
The AI Race Isn't About Technology Anymore. AI adoption is accelerating: What Every Credit Union Needs to Know
The transformation is already underway. Cornerstone Advisors finds 59% of credit unions have deployed generative AI. The NCUA’s 2026 Supervisory Priorities make AI governance an examination focus. Here is the full picture: the evidence, the compliance obligations, and how to move forward. A few months ago, I was sitting across the table from a credit union executive team during a lending transformation discussion. About halfway through the meeting, someone asked a question th
Pankaj Jain
Jul 6
AI Data Centres and Water Crisis
Imagine telling someone ten years ago that a conversation with a robot would need water. Lots of it! They would probably laugh. But, here we are. If you've opened social media recently, you've probably seen people arguing about the water crisis. Mumbai, with depleted reservoirs leaving residential areas without daily running water. Just a few hours away, Pune has cracked down on non-essential consumption by cutting off supply to public swimming pools and construction sites. A
Ankita Tiwari
Jun 23
An AI Bubble Burst Scenario You Should Watch!
At Straterix, we have built some of the most powerful tools for generating forward looking scenarios. These tools not only enable more efficient stress tests and risk-aware strategic planning, but also make it possible to ask meaningful “what if” questions and obtain highly insightful results within minutes. Given the widespread concern that current AI related valuations may be displaying bubble-like characteristics, we ran such a "what-if" query - and are sharing some of our
Alla Gil
Jun 17
RECENT POSTS
The AI Race Isn't About Technology Anymore. AI adoption is accelerating: What Every Credit Union Needs to Know
The transformation is already underway. Cornerstone Advisors finds 59% of credit unions have deployed generative AI. The NCUA’s 2026 Supervisory Priorities make AI governance an examination focus. Here is the full picture: the evidence, the compliance obligations, and how to move forward. A few months ago, I was sitting across the table from a credit union executive team during a lending transformation discussion. About halfway through the meeting, someone asked a question th
Pankaj Jain
Jul 6
AI Data Centres and Water Crisis
Imagine telling someone ten years ago that a conversation with a robot would need water. Lots of it! They would probably laugh. But, here we are. If you've opened social media recently, you've probably seen people arguing about the water crisis. Mumbai, with depleted reservoirs leaving residential areas without daily running water. Just a few hours away, Pune has cracked down on non-essential consumption by cutting off supply to public swimming pools and construction sites. A
Ankita Tiwari
Jun 23
An AI Bubble Burst Scenario You Should Watch!
At Straterix, we have built some of the most powerful tools for generating forward looking scenarios. These tools not only enable more efficient stress tests and risk-aware strategic planning, but also make it possible to ask meaningful “what if” questions and obtain highly insightful results within minutes. Given the widespread concern that current AI related valuations may be displaying bubble-like characteristics, we ran such a "what-if" query - and are sharing some of our
Alla Gil
Jun 17
The AI Race Isn't About Technology Anymore. AI adoption is accelerating: What Every Credit Union Needs to Know
The transformation is already underway. Cornerstone Advisors finds 59% of credit unions have deployed generative AI. The NCUA’s 2026 Supervisory Priorities make AI governance an examination focus. Here is the full picture: the evidence, the compliance obligations, and how to move forward. A few months ago, I was sitting across the table from a credit union executive team during a lending transformation discussion. About halfway through the meeting, someone asked a question th
Pankaj Jain
Jul 6
AI Data Centres and Water Crisis
Imagine telling someone ten years ago that a conversation with a robot would need water. Lots of it! They would probably laugh. But, here we are. If you've opened social media recently, you've probably seen people arguing about the water crisis. Mumbai, with depleted reservoirs leaving residential areas without daily running water. Just a few hours away, Pune has cracked down on non-essential consumption by cutting off supply to public swimming pools and construction sites. A
Ankita Tiwari
Jun 23
An AI Bubble Burst Scenario You Should Watch!
At Straterix, we have built some of the most powerful tools for generating forward looking scenarios. These tools not only enable more efficient stress tests and risk-aware strategic planning, but also make it possible to ask meaningful “what if” questions and obtain highly insightful results within minutes. Given the widespread concern that current AI related valuations may be displaying bubble-like characteristics, we ran such a "what-if" query - and are sharing some of our
Alla Gil
Jun 17
RECENT POSTS
AI Governance Is Becoming Agent Governance
Models generate. Agents act. Governance must follow the action. By 2027, Gartner expects 40 percent of enterprises to demote or decommission autonomous AI agents. Not because the agents stopped working. Because of governance gaps that surfaced only after a production incident. The analyst behind the forecast, Shiva Varma, put the cause plainly. Enterprises treat agent governance as a binary, either locked down or fully trusted, and that is the root of the failure. That number
Alan L. Paris
3 days ago
AI Insights: Key Global Developments in July 2026
Welcome to the July 2026 Ed. of our global AI update. Over the past few weeks, there have been plenty of new model launches from companies like OpenAI, Google, and Anthropic, but what really stands out is how quickly AI is finding its way into everyday products, business tools, and workflows. It's no longer just about building better models. Companies are also spending a lot more time making AI easier to use, building the infrastructure behind it, and figuring out how to use
Staff Correspondent
Jul 14
The Universe Didn't Accidentally Produce Consciousness, and AI Is the Next Chapter
So, I've been thinking about AI and the universe. Not in the way most people are thinking about AI right now, the jobs, the regulations, the existential risk headlines. Deeper than that. More fundamental. What if the emergence of artificial intelligence isn't primarily a technological story? What if it's an evolutionary one? That question is what drove me to develop a philosophical framework I call Emergent Participatory Cosmism. I've spent some time building it into a full a
Dr. Moody Amakobe
Jul 12
WEEKLY TOP
Replicating Portfolios in Banking: A Literature Review on Asset-Liability Management, Interest Rate Risk, Liquidity Risk, and Funds Transfer Pricing
Banks face significant challenges in managing liabilities without contractual maturities—such as demand deposits and savings accounts—due...
Chih Chen
May 8, 2025
The Future of Risk: Emerging Themes in Reinsurance
The reinsurance sector is undergoing a structural transformation as it grapples with an increasingly complex and interconnected global...
David Withnell
Apr 21, 2025
FRTB compliance: Options for banks with small trading books in the United Arab Emirates
The Fundamental Review of the Trading Book (FRTB) is a flagship market risk regulation that is a game changer for financial institutions. For FRTB compliance, banks in the United Arab Emirates (UAE) have a choice between the Internal Model Approach (IMA) and the Standardised Approach (SA). Within the SA, banks can use the advanced approach based on risk sensitivities or a simplified standardised approach (SSA). The decision for FRTB compliance should be thought through care
Ram Ananth
Mar 23, 2025
EDITOR'S PICK
Riskinfo.ai: Revolutionizing Risk, Regulations, and AI Knowledge Sharing
Revolutionizing Risk, Regulations, and AI: Introducing Riskinfo.ai
Introducing Riskinfo.ai: Your Go-To Resource for Risk, Regulations, and AI
Replicating Portfolios in Banking: A Literature Review on Asset-Liability Management, Interest Rate Risk, Liquidity Risk, and Funds Transfer Pricing
Banks face significant challenges in managing liabilities without contractual maturities—such as demand deposits and savings accounts—due...
Chih Chen
May 8, 2025
The Future of Risk: Emerging Themes in Reinsurance
The reinsurance sector is undergoing a structural transformation as it grapples with an increasingly complex and interconnected global...
David Withnell
Apr 21, 2025
EDITOR'S PICK
AI Governance Is Becoming Agent Governance
Models generate. Agents act. Governance must follow the action. By 2027, Gartner expects 40 percent of enterprises to demote or decommission autonomous AI agents. Not because the agents stopped working. Because of governance gaps that surfaced only after a production incident. The analyst behind the forecast, Shiva Varma, put the cause plainly. Enterprises treat agent governance as a binary, either locked down or fully trusted, and that is the root of the failure. That number
Alan L. Paris
3 days ago
AI Insights: Key Global Developments in July 2026
Welcome to the July 2026 Ed. of our global AI update. Over the past few weeks, there have been plenty of new model launches from companies like OpenAI, Google, and Anthropic, but what really stands out is how quickly AI is finding its way into everyday products, business tools, and workflows. It's no longer just about building better models. Companies are also spending a lot more time making AI easier to use, building the infrastructure behind it, and figuring out how to use
Staff Correspondent
Jul 14
WEEKLY TOP
Navigating the New Age of Risks: Integration over Isolation, Expertise over Convention
Did you know that organizations today can easily identify over 500 distinct risk types in their libraries? Add to this the complexity of overlapping control matrices, hundreds of policies, and SOPs that read like novels. As businesses grow, risk landscapes also evolve—from startups requiring agility to mature organizations contending with intricate ecosystems and complexities. Simplification and Integration: The Core Challenges The true challenge of risk management lies in si
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The Absolute Luxury of a Blank Sheet of Paper: Building a Risk Management Framework for a Financial Services Startup
No legacy systems, no “that’s how we’ve always done it,” and absolutely no pre-existing constraints. Just a blank screen, a fresh...
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Navigating the Labyrinth: AI Regulation in the Healthcare Industry
We examine the imperative of establishing stringent AI regulations in the healthcare industry, focusing on the ethical, legal, and safety challenges brought about by AI's transformative impact on areas such as diagnostics and personalized treatments. The healthcare industry stands at the precipice of a revolution driven by artificial intelligence (AI). From medical diagnosis and treatment to drug discovery and personalized care, AI promises to transform healthcare delivery a
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Jan 16, 20243 min read
"The Regulatory Road Ahead: Anticipating AI's Impact on Compliance"
Peer into the future of regulatory compliance in the age of AI. Discuss potential regulatory developments and how businesses can...
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Dec 6, 20231 min read
"Risk Intelligence 2.0: AI-Driven Insights for Strategic Decision-Making"
Journey into the next generation of risk intelligence with AI. Explore how organizations are leveraging artificial intelligence to...
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Dec 6, 20231 min read
"Compliance in the Digital Age: AI-Powered Regulatory Solutions"
Explore the transformative impact of AI on regulatory compliance. Discover innovative solutions that harness the power of artificial...
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RISK
New MRM Supervisory Guidance SR 26-2: 10 Subtle Shifts You Need to Know
Note- This article is the expansion of the original article authored by Naresh Raheja, "New MRM Supervisory Guidance SR 26-2: 10 Subtle Shifts You Need to Know" On April 17, 2026, U.S. banking regulators- including the Federal Reserve Board, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency- jointly issued SR 26-2, also published under OCC Bulletin 2026-13. This revised supervisory guidance formally supersedes and replaces SR 11-7,
Why Sphaghetti and Business Don’t Mix?
While Spaghetti may be some people’s favourite food, I don’t think anyone would like it on their keyboard. Even worse, it’s probably nobody’s taste for their bank’s business architecture. Nevertheless, even after years of investment in ‘digital transformation’, this seems to be the state of play at many financial institutions around the world. Think this may not be the most important problem to fix, right now? - Here are a few recent UK banking outages and Losses Due to unst
REGULATION
AI
AI Governance Is Becoming Agent Governance
Models generate. Agents act. Governance must follow the action. By 2027, Gartner expects 40 percent of enterprises to demote or decommission autonomous AI agents. Not because the agents stopped working. Because of governance gaps that surfaced only after a production incident. The analyst behind the forecast, Shiva Varma, put the cause plainly. Enterprises treat agent governance as a binary, either locked down or fully trusted, and that is the root of the failure. That number
Alan L. Paris
3 days ago7 min read
The Universe Didn't Accidentally Produce Consciousness, and AI Is the Next Chapter
So, I've been thinking about AI and the universe. Not in the way most people are thinking about AI right now, the jobs, the regulations, the existential risk headlines. Deeper than that. More fundamental. What if the emergence of artificial intelligence isn't primarily a technological story? What if it's an evolutionary one? That question is what drove me to develop a philosophical framework I call Emergent Participatory Cosmism. I've spent some time building it into a full a
Dr. Moody Amakobe
Jul 124 min read
The AI Race Isn't About Technology Anymore. AI adoption is accelerating: What Every Credit Union Needs to Know
The transformation is already underway. Cornerstone Advisors finds 59% of credit unions have deployed generative AI. The NCUA’s 2026 Supervisory Priorities make AI governance an examination focus. Here is the full picture: the evidence, the compliance obligations, and how to move forward. A few months ago, I was sitting across the table from a credit union executive team during a lending transformation discussion. About halfway through the meeting, someone asked a question th
Pankaj Jain
Jul 610 min read
Don’t Over-Complicate Responsible AI: A Pragmatic Starter Guide
Why this post? Every month seems to bring a new “must-read” AI-governance framework, and many teams freeze—waiting until they’ve read them all. Over the past few weeks I: Completed two ISO 42001 courses (AIQI & BSI) Re-read the NIST AI Risk-Management Framework (AI RMF) Studied BABL AI’s 2023 governance report and, during an Algorithmic Bias Lab Q&A, asked Dr Shea Brown what he would do on Day 1 as Responsible-AI Officer for a company that provides high-risk AI systems in Eur
Ayşegül Güzel
Jul 17 min read
AI Data Centres and Water Crisis
Imagine telling someone ten years ago that a conversation with a robot would need water. Lots of it! They would probably laugh. But, here we are. If you've opened social media recently, you've probably seen people arguing about the water crisis. Mumbai, with depleted reservoirs leaving residential areas without daily running water. Just a few hours away, Pune has cracked down on non-essential consumption by cutting off supply to public swimming pools and construction sites. A
Ankita Tiwari
Jun 235 min read
An AI Bubble Burst Scenario You Should Watch!
At Straterix, we have built some of the most powerful tools for generating forward looking scenarios. These tools not only enable more efficient stress tests and risk-aware strategic planning, but also make it possible to ask meaningful “what if” questions and obtain highly insightful results within minutes. Given the widespread concern that current AI related valuations may be displaying bubble-like characteristics, we ran such a "what-if" query - and are sharing some of our
Alla Gil
Jun 173 min read
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