Engineering notes from the regulated frontier.

Long-form pieces from our founding engineers — on AI systems, data platforms, governance and the operating models that make them work in production.

AI Systems

The conversation is the new branch: customer-facing generative AI in banking.

Customer-facing generative AI is becoming the front door of retail banking, and the firms that get it right will reshape the competitive landscape of the next decade. The harder problem is not the conversational quality of any single agent, but the risk regime around it: guardrails, human handoff, and a supervisory layer of agents that monitor the agents. A practical view of the opportunity, the constraints, and the architecture that lets a bank ship into the channel without losing the audit committee.

David Charnley

Founder · Data, AI & Transformation

11 May 2026 12 min Read →

AI Systems 08 May 2026

The closing bell is gone: engineering for retail AI on tokenised markets.

Tokenised assets and consumer-grade AI traders are about to collide with infrastructure built for an eight-hour day on settlement rails owned by a handful of incumbents. The architectural questions, including ledger choice, key custody, replayable decisions and fraud handling on immutable substrates, are not theoretical. They are already separating the firms that will exist in 2030 from the ones that will not.

11 min Read →

Strategy 08 May 2026

Three named bets, not thirty: building data and AI capability in financial services.

Most data and AI programmes in financial services fail not because the technology is wrong, but because the organisation is insufficiently focussed and engaged in the work. Prioritise value first, win sponsorship around selected bets rather than the tech platform, structure robust plans with clear accountability, and drive the critical path backwards into execution.

10 min Read →

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