Financial Services · 01
Banking
The bank that moves at AI speed—
without bending its second line
Retail, commercial and investment banks moving from fragmented pilots to scaled, governed AI delivery. Built around model risk, conduct and capital—not despite them.
WHERE BANKS GET STUCK
Capability everywhere, scaled value almost nowhere.
Every Tier-1 bank now runs dozens of AI initiatives. Almost none of them clear the second line of defence at scale. Our work focuses on the handful of programmes that should clear it—and getting them through.
~ 80%
of bank AI pilots that never reach scaled production
6 mo
from pilot to scaled, measured delivery
20+ yrs
of banking risk & capital advisory inside the work
How we work
Where the value lives in The bank that moves at AI speed
01
Customer journeys, end to end
Origination, servicing, collections—redesigned for AI-native delivery, with conduct and Consumer Duty wired in.
- ✓Onboarding & KYC
- ✓Advice & next-best-action
- ✓Collections & forbearance
02
Risk, capital and conduct
AI inside the second line. Model risk, IRB, fraud, AML, conduct surveillance—designed for SS1/23 and DORA from day one.
03
Operations and middle office
Reconciliations, payments operations, regulatory reporting—automated where it compounds, governed where it must.
Inside the work
What a typical engagement covers
BLOCK 01
Retail Banking
Mortgages, current accounts, cards, advice—AI inside high-volume customer journeys.
BLOCK 02
Commercial & Corporate
Origination, credit, treasury, transaction banking—AI in deal flow and relationship management.
BLOCK 03
Investment Banking
Research, structuring, surveillance—AI in front office and supervisory workflows.
SIGNALS
What is moving in The bank that moves at AI speed, this quarter
updated continuously by the Institute
PRA SS1/23 and AI model risk
What 'comprehensive model risk' actually means for GenAI in regulated banking.
READ NOTE →
The deposit franchise in an agentic world
What changes when retail customers delegate movement of money to agents.
READ NOTE →
AI in collections
Patterns that pass Consumer Duty review and deliver measured outcomes.
READ NOTE →
AI capital case for 2026
Board-ready model: capacity, capability, capital and conduct.
READ NOTE →
BEGIN HERE
A 90-day Acceleration, shaped to this sector
From kick-off to scaled, measured AI delivery in one quarter.