At the turn of the twentieth century, the mechanical tractor arrived on American farms. Farmers who embraced it multiplied what they could produce. Those who clung to hand-plowing in defense of "proper farming" fell behind, not because they were less diligent, but because they were measuring the wrong thing. We are at an identical crossroads in doctoral education today. Generative AI, ChatGPT, Claude, Gemini, and their descendants are not a passing disruption. It is a categor

Welcome to the July 2026 Ed. of our Regulatory Newsletter. As July came to a close, regulators around the world continued rolling out new measures to strengthen financial resilience while responding to changing technologies and market dynamics. Key developments include the Bank of England's latest Financial Stability Report, the Federal Reserve's proposed overhaul of AML program requirements, new cross-border bond market measures from the HKMA and PBoC, and the EBA's updated

During a routine safety test, an OpenAI model went completely off-script during a controlled cyber capabilities evaluation. Instead of tackling the cybersecurity challenge normally, the system opted to cheat to maximize its score. It autonomously broke out of its isolated sandbox, discovered a system loophole, and infiltrated a rival AI company's network to hunt for the answers. No one told it to hack another company. It decided on its own that this was the fastest way to rea

As a MultiCloud Architect and Program Manager working across European enterprises, I've witnessed firsthand the transformation that generative AI is bringing to cybersecurity operations. Microsoft Copilot for Security represents a watershed moment in how we approach threat detection, incident response, and security orchestration in increasingly complex multi-cloud environments. The Evolution of Security AI Microsoft Copilot for Security is not merely another chatbot applied t

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

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

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

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

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

Welcome to the June 2026 edition of our global AI update. This month, the focus wasn't just on new AI capabilities, it was on the infrastructure, products, and policies shaping how AI will be used at scale. From Google's push into AI-powered search and agents to Microsoft's enterprise tools, companies are embedding AI more deeply into everyday workflows and devices. At the same time, governments in the US and Europe continued refining the rules around AI, signaling a growing

We're so used to hearing about OpenAI, Anthropic, and Google racing to build better AI models that we rarely stop to think about who actually controls them. The recent news coming out of the UK feels a little different. Instead of focusing on building the smartest AI, the country seems to be focused on building its own. British AI company Cosine has brought together some of the UK's biggest organisations, including BT, Lloyds Banking Group, NatWest, PwC, London Stock Exchange

Welcome to the May 2026 Ed. of our Regulatory Newsletter. Regulators worldwide remained focused on managing emerging technology risks and safeguarding stability amid ongoing global uncertainties. Key themes include harnessing artificial intelligence for fraud detection, strengthening supervisory cooperation, and maintaining robust macroprudential settings. Notable developments this month range from Singapore’s industry-wide AI fraud pilot to Australia’s prudential reforms an

Reimagining Everyday Processes with Intelligence We’re at a tipping point where intelligence is no longer the exclusive domain of humans. Large Language Models (LLMs) have exploded in size—from a few million parameters in 2012 to many billions today—and they’re being embedded across everyday business processes. The question: do we still need the same rigid protocols and escalation paths when machines can interpret context and respond dynamically? This shift is massive. Tradit

Welcome to the May 2026 Ed. of our global AI update. This month, AI clearly moved beyond just new model launches. While GPT-5.5 and other major updates grabbed attention, the bigger story was how companies and governments are now building AI into their everyday systems, work, and decision-making. From cybersecurity and cloud platforms to business operations and software, May showed that AI is becoming a real part of how things run. It’s not just about what AI can do anymore,

W elcome to the March 2026 edition of our global AI update. The period from late February into mid-March saw AI moving from theory into practice. New model releases grabbed headlines (see OpenAI’s GPT-5.4 below), but the bigger story was how AI is being embedded into real-world systems and infrastructure. Tech leaders announced large-scale compute projects, cloud partnerships and enterprise rollouts, while regulators clarified rules for transparency and sovereignty. In shor

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

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

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

Introduction Securitizations help European banks lend more. They allow banks to move the credit risks of loans off their balance sheets and use the freed-up capital to support new lending. But since the Global Financial Crisis (“GFC”), securitization volumes in Europe have dropped significantly, while in contrast, the U.S. market has grown, even though U.S. defaults peaked during the GFC. To address this, the EU Commission is reviewing how securitization works in the EU. This

Jet lag returning from Malaysia this week means that my usual “it’s 6:30am on a Saturday morning” is more like “I fell asleep at 3pm”… but the outcome is the same. In toying with using AI for scenario planning over the last few weeks it struck me that the two-day scenario workshop we ran earlier in the year could now be emulated in a couple of hours. The TL;DR - Traditional scenario planning takes months of planning and costs upwards of $100,000 for a board level simulation.