The newest posts on cloud architecture, AWS, AI and banking technology — most recent first.
This is the second of two articles. Part one, Passkeys in Banking: What They Actually Fix, and What They Quietly Don’t, sets out the benefits and the risks. This part…
Passkeys are the most consequential change to consumer authentication in twenty years, and they are also being oversold, because the gap between the marketing and the implementation detail is exactly…
Abnormal is always relative. An embedding computed in advance can hold an inbound payment before it arrives, and the same property explains where this approach fails. This is the last…
Conventional lending has confused regularity with durability. An AI reading the transaction history directly measures what a payslip cannot, and in a market like South Africa that changes who is…
Revolut and NVIDIA have published the most detailed public account yet of an AI that learns a customer straight from their banking history. Part one covers what it is, how…
1. The optimizer is making a bet, not a calculation Every time SQL Server compiles a query it runs an auction. The optimizer generates a handful of candidate plans, estimates…
1. The problem we are actually solving South Africa’s crime problem has quietly become a banking problem. Criminals no longer need to hack a banking app, they force victims to…
1. The problem nobody states plainly Every time someone in banking talks about Retrieval Augmented Generation, vector databases, or semantic search, the word embeddings surfaces almost immediately, and most people…
1. MUD: The Most Expensive Habit in Technology Over the course of my career I have watched intelligent, experienced people confidently announce delivery dates for projects that nobody in the…
Two screenshots crossed my phone within about a day of each other this week, and together they say more about where this industry is heading than most of the analyst…
