Welcome to the February 2026 edition of our Regulatory Newsletter. This month regulators globally continued to focus on the safe and responsible integration of technology and on strengthening financial stability frameworks.  Key developments include the UAE’s central bank issuing detailed AI guidance to protect consumers, and the Bank of England summarizing industry feedback on AI adoption. In the UK, the Prudential Regulation Authority consulted on reforms to securitization

Welcome to the February 2026 edition of our global AI update. This month feels different. The headlines are still about bigger models and new releases, but the real story is what’s happening behind the scenes. Companies are building serious infrastructure. Enterprises are putting AI directly into planning, marketing, data, and customer systems. Governments are moving from discussions to clear rules. It’s less about experimentation now and more about execution. AI is slowly be

Something big is happening in New Delhi this February. And if you work in tech, business, startups, or even policy, you should be paying attention. The India AI Impact Summit 2026 is not just another tech conference. It is shaping up to be one of the most important global AI gatherings we have seen in years. From February 16 to 20  at Bharat Mandapam ,  New Delhi  will become the center of the AI universe. Let’s break down why this event matters and what it means for the futu

O n the internet, calling someone a bot is usually an insult. On Moltbook, it’s a requirement. Moltbook is a new social platform where artificial intelligence agents post, debate, speculate, argue, and occasionally start religions. Humans are allowed to join, but only as observers. No posting. No commenting. Just watching AI talk to AI. It sounds like satire. It is not. As of early February, Moltbook claims more than 1.5 million AI agents  are active on the platform. The site

Table of Content Executive Summary Problem Description and Justification 1.1 The Business Problem: Predicting Mortgage Prepayment Probability 1.2 Data Strategy 1.3 Limitations of Traditional Linear Models 1.4 Justification for Deep Learning Architecture Architectural Design using Dense Neural Networks 2.1 Conceptual Design: Multi-Layer Perceptron (MLP) 2.2 Activation Functions Optimization and Training Strategy 3.1 Gradient Descent and Back-Propagation 3.2 Fast Convergence: T

Welcome to the January 2026 edition of our Regulatory Newsletter. The year has opened with regulators moving quickly on familiar pressure points, particularly financial crime, operational resilience, and technology governance. This month’s updates include the UK Prudential Regulation Authority  setting out its 2026 supervisory priorities for international banks, alongside U.S. action to strengthen AML tools to prevent large-scale fraud in public benefit programs and the F CA’

G lobal Capability Centers (GCCs) in India have powered banking for the last 2 decades by delivering cost efficiency at scale through its deep, high-quality talent pools that offered abundant, technically strong and English-proficient talent across IT and operations. In India alone, there are currently c1,800 GCCs supported by about 1.9 million professionals with a cost base of $64.6b according to Nasscom, with that number expected to touch 2,000 GCCs with 2.8m professionals

W elcome to the January 2026 edition of our global AI update. The year has started with a noticeable shift in how AI is showing up in the real world. Model improvements continue, but the bigger story this month is deployment. Google is expanding Gemini deeper into search, browsing, audio, and video. Anthropic is taking Claude into healthcare and life sciences, signaling that regulated environments are no longer treated as exceptions. Across enterprises, AI is being embedded d

Welcome to the December 2025 edition of our regulatory newsletter, as authorities worldwide continued to recalibrate oversight frameworks amid rapid technological change and evolving financial risks. This month saw governments move decisively to coordinate artificial intelligence policy at the national level, most notably through a U.S. Executive Order establishing a unified federal AI framework and addressing fragmentation across state rules. At the same time, regulators adv

As climate change accelerates, physical risks like flooding are becoming more frequent, severe, and financially material. For banks, these are not just operational disruptions — they can trigger liquidity stress, asset impairments, and even off-balance sheet losses. Flooding is no longer a remote environmental concern. It is now a financial risk event that can reverberate through a bank’s entire balance sheet, challenging risk teams, ALM desks, and executive committees alike.

W elcome to the latest edition of our global AI update.  This month’s news spans late November through mid-December 2025, and it’s been a whirlwind. The frontier of AI continues advancing: Google launched Gemini 3  (Nov 2025), its most powerful multimodal model with deep reasoning, while Anthropic and OpenAI rolled out major updates (Claude Opus 4.5 and GPT-5.1/5.2). At the same time, governments are moving fast on policy. The European Commission proposed an omnibus digital p

Why the same private credit loan is different on a bank’s or insurer’s balance sheet Introduction Since I started exploring partnerships between banks and insurers, I have been intrigued by the question: “how can a loan, with a certain economic risk profile, have a very different capital charge on a bank’s or an insurer’s balance sheet, and is this capital arbitrage, or not?” Over the years, I have had many discussions with colleagues on this topic and more recently, I have r

Meta just made a move that says a lot about where the company thinks the future of information is heading. After years of stepping away from news, it has now signed commercial agreements with some of the world’s biggest publishers. The goal is simple. Meta AI should finally be able to answer real-time questions with confidence, instead of sounding like it’s stuck in yesterday. Ask Meta AI about a breaking headline and you’ll now get tighter summaries and links from outlets li

Climate change has evolved from being a peripheral concern to a core financial risk for the banking sector. Increasingly, banks are being called upon to recognize, quantify, and manage the impact of climate-related events — not just for reputational alignment, but to safeguard their credit portfolios, operational resilience, and long-term financial stability. At the heart of this shift are two key forms of climate risk: Physical risk , which stems from the direct impact of cl

The strong reaction to recent discussions around IFS 9 overlays and CRR Ill Margins of Conservatism (MoC) highlights how easy it is to conflate these two adjustment mechanisms. Both arise when models face uncertainty, data gaps, or limitations. Both have the effect of moving estimates away from "pure" model output. And both are seen by stakeholders as adding prudence. Yet beneath this surface similarity lie important differences in purpose, direction, and governance. Misunder

From Pilots To Strategic AI Transformation AI Technology Is Ready -  But Organisational Capability Is Not Every day, leaders are bombarded with noise - headlines about trillion-dollar AI opportunities, predictions of disruption, and endless technical detail. Everyone agrees AI has vast potential. But the truth is, most organisations still don’t know how to get from experimentation to ROI. Across industries, CEOs, CFOs, COOs, CIOs, CROs, and transformation heads all describe t

Executive summary The regulatory breakthrough that changes everything After years of institutional exile, cryptocurrency and stablecoins are poised for mainstream adoption by traditional banks. This is driven by a fundamental shift in the U.S. and global regulatory frameworks. The problem: prohibitive cost of capital Basel Committee capital rules imposed a punitive 1,250% risk weighting on crypto assets, making them economically impossible for banks. A simple example: a $1 mi

Welcome to the November 2025 edition of our regulatory newsletter, featuring landmark reforms in financial supervision and prudential policy worldwide. This month, regulators worldwide continued to sharpen rules on digital innovation, AI risk, and financial stability.  This month’s highlights:  The Bank of England (BoE) kicked off a consultation on sterling stablecoin oversight, while Singapore’s MAS set out draft AI governance standards. The U.S. Federal Reserve unveiled new

The regulatory environment for UK building societies is undergoing a significant shift. The Prudential Regulation Authority (PRA) is progressing toward the phased implementation of its Strong and Simple Regime (SSR) from 2026. The SSR is designed to simplify prudential requirements for small domestic deposit takers (SDDTs), thereby providing simplified liquidity and disclosure requirements for eligible building societies. Also, the PRA is set to withdraw Supervisory Statement

C ontents Introduction About CVA and SA-CVA Benefits of SA-CVA Challenges with IMA-CVA Approach for Banks Summary References Introduction CVA reflects the market value of counterparty credit risks, the expected loss if a counterparty defaults. The rise in CVA-related capital for global banks stems from new regulations and increasing derivatives complexity. CVA assesses counterparty risk for OTC derivatives. Basel’s new rules replace prior methods with SA-CVA and BA-CVA, remov