Consumer Duty, Business Architecture and the Evidence Tax
Consumer Duty isn’t testing products, it’s testing organisational design. Why the hardest part of proving good customer outcomes is finding the evidence.
Read the full piece →I solve hard problems in banking.
Retail•
Commercial•
Payments•
Regulatory•
Core Banking•
Challenger Bank Set-Up
Banking transformation succeeds or fails because of organisational design.
38 years
35+ banks
12 countries
Retail · Commercial · Investment
How I think
Technology matters. Organisations determine outcomes.
For nearly four decades I have watched banking transformations succeed or fail, and the deciding factor is rarely the technology. It is whether the organisation, its ownership, accountability, processes and information, is actually designed to deliver the outcome it is chasing. I design that connective tissue: the architecture that sits between strategy and delivery, from challenger-bank build-outs to core banking replacement, payments modernisation and regulatory programmes.
Latest thinking
Insights
Agentic lending doesn’t break underwriting. It breaks the audit trail.
Automated lending is decades old. Agentic lending is different. When a system gathers its own evidence and acts in milliseconds, the question is whether anyone can reconstruct the decision.
Read the full piece →Credit underwriting is a craft. A pure science can’t lend.
Banks are handing lending decisions to machines and calling it progress. But lending was never a problem with a right answer waiting to be calculated. This is the long version of why.
Read the full piece →Embedded FinTech: why value chains, not banks, are the new battleground
Embedded finance is not about blurring boundaries between banks and platforms. It is about where the margin goes, and who is built to capture it.
Read the full piece →