Flagship initiative
Financial Services
Banking, insurance, wealth and PE—
moving with the regulator, not against
The deepest body of work at the Institute. Twenty years inside risk, capital, conduct and prudential frameworks—applied to AI delivery that actually clears governance.
Sub-industries
Four sectors, one depth of method
SECTOR 01
Banking
Retail, commercial and investment banking. Customer journeys, risk, capital, conduct.
Open sector →
SECTOR 02
Insurance
Life, P&C and reinsurance. Underwriting, claims, pricing and risk.
Open sector →
SECTOR 03
Wealth Management
Advice automation, platform economics, suitability and onboarding.
Open sector →
SECTOR 04
Private Equity
Portfolio-wide AI activation across thesis-to-exit. Operating partner-grade execution.
Open sector →
RESEARCH PROGRAMME
The Future of Banking and Payments
Five structural vectors converging to reshape global banking through 2030. Agentic AI, open finance regulation, programmable money, digital identity wallets, and market power redistribution — mapped for senior leaders ready to act.
How we work in FS
Where the value lives in Financial Services
01
Board-grade business cases
Translate AI ambition into capital allocation language. Audit-committee-ready, not slideware.
- ✓3-statement P&L impact
- ✓Risk and capital lens
- ✓Conduct & data treatment
02
Operating model that clears governance
Design the model risk, data and second-line architecture so AI delivery does not stall in review.
- ✓SR 11-7 / SS1/23 alignment
- ✓DORA & FCA Consumer Duty
- ✓Model inventory and lineage
03
Scaled wins, not pilots
Move at least one initiative from pilot to scaled, measured production inside the 90-day arc.
- ✓Frontline reach > 1k users
- ✓Measured P&L impact
- ✓Sustained after engagement
SIGNALS
What is moving in Financial Services, this quarter
updated continuously by the Institute
EU AI Act—high-risk obligations land Q3
Concrete steps for FS providers to begin now: model inventory, risk classification, transparency obligations.
READ NOTE →
Capital allocation 2026: AI as a line item
Most FS budgets still treat AI as overhead. Boards are now demanding it appear next to traditional capex.
READ NOTE →
Agents in regulated workflows
Patterns that survive an FCA s.166 review—the design choices that matter.
READ NOTE →
From pilot fatigue to portfolio rigour
Why the audit committee should be your AI program's best friend, not its blocker.
READ NOTE →
BEGIN IN FINANCIAL SERVICES
A 90-day Acceleration, designed around your regulator
From kick-off to scaled, governed AI delivery—inside one quarter. Built for FTSE 250 and Nordic FS leaders.