Exploring banks' key considerations around the impact of digital money on infrastructure, settlement and control.
CBDCs and stablecoins threaten banks' core deposit and settlement roles — the window to architect defensible infrastructure positions is narrowing fast.
eIDAS-enabled one-click verification could finally kill friction in European payments — but only if banks use the runway to build rather than wait.
A $22bn target for a voice AI company signals investors are pricing category dominance, not current revenue — late entrants in audio AI just got priced out.
Kalshi and Polymarket's oracle problem is now public — manipulable real-world data sources are a systemic risk for any prediction market scaling into finance.
If your fintech strategy depends on explaining AI terms, you're already behind the founders who are deploying them.
A device preserving donor eyes post-mortem shows that intractable biological barriers often yield to engineering — a useful mental model for fintech infrastructure problems too.
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