Hidden Bank Fees Exposed: How AI Will End Fee Smuggling
There is nowhere left to hide. For decades, banks built an elegant asymmetry into the relationship with their customers. The bank had a team of specialists, the time to design…
Read more →There is nowhere left to hide. For decades, banks built an elegant asymmetry into the relationship with their customers. The bank had a team of specialists, the time to design…
Read more →1. The Rugby Lesson Most People Learn the Hard Way If you have ever played rugby, you learn very quickly what a handoff is. You approach a player too high,…
Read more →Catastrophic system outages are never purely accidental because the conditions enabling them accumulate quietly over time, embedded within organizational structures, incentive misalignments, and suppressed warning signals. Like destructive human behaviour,…
Read more →1. The terminal should not look like punishment Most developer terminals look like they were designed by someone who believes productivity is a moral debt. Black box. Tiny text. No…
Read more →Most organisations deploying AI are flying blind. They have a model, a prompt, and a vague sense that it seems to work. They ran it past a few people internally,…
Read more →1. The Most Addictive Technology I Have Ever Used Agentic AI is the most addictive technology I have ever used, not because it numbs the mind or encourages passive consumption,…
Read more →If you have spent any time with Claude Code, you have probably hit the message at least once: “Auto mode not available for this model.” It is one of those…
Read more →A variation on the dark factory thesis. Humans remain, humans are accountable, and what changes is everything else. 1. The Team That Memory Built There is a certain kind of…
Read more →Leadership · Culture · Strategy | Andrew Baker | May 2026 | 14 min read There is a distinction that almost nobody in corporate life is willing to draw clearly,…
Read more →Leadership · Technology · Strategy | Andrew Baker | May 2026 | 12 min read There is a diagram I keep coming back to. It is deceptively simple: two lines,…
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