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Insight · 7 min read

A Fraud Use Case That Fails to Identify a Single Fraud Vector Is Not a Use Case

Fraud detection is not a use case. It is an umbrella term. The vector is closer, but still not sufficient. The use case emerges only when a vector is mapped to a specific business decision, and that is where most fraud AI initiatives stop short.

28 Jul 2025 Fraud AI

Brief · 7 min read

The Cloud Business Case That Didn't Survive the Data

A major emerging market bank set out to move everything to public cloud. The vendor tool showed 85% savings. The independent analysis told a different story — and that gap is where the real advisory work happens.

30 Jun 2025 Strategy Cloud

Industry Perspective · 11 min read

Payment Networks: The Entity With the Best View Is Not Making the Decision

Payment networks occupy the most analytically privileged position in financial services. They see transaction behaviour across every issuing bank, every acquiring bank, every merchant category, in real time. The individual banks making approval and decline decisions see only their own slice. This asymmetry should be the defining competitive advantage in financial services AI. Most networks are not using it that way.

16 Jun 2025 Financial Services Payments

Industry Perspective · 7 min read

Healthcare Insurance AI: MLR Is a Timing Problem, Not a Cost Problem

Health plans have spent years treating the medical loss ratio as a cost management challenge — managing utilisation, tightening authorisations, negotiating provider rates. The plans that are actually moving their MLR with AI are doing something different. They are compressing the time between a detectable signal and a clinical intervention. That is a fundamentally different problem, and it requires a fundamentally different AI strategy.

2 Jun 2025 Financial Services Healthcare

Industry Perspective · 7 min read

P&C Insurance AI: The Investment Is Concentrated in the Wrong Place

P&C carriers have invested heavily in claims AI — the post-loss layer where data is richest and results are most visible. The economic leverage is in underwriting and catastrophe accumulation — the pre-loss layer where better decisions prevent losses from entering the book at all. These are not equivalent investments, and the industry is treating them as if they were.

26 May 2025 Financial Services Insurance

Brief · 8 min read

When the Platform Can't Scale: Performance Engineering in Global Wealth Management

Weeks before go-live on one of the world's largest wealth management platforms, a Java memory management problem threatened to bring everything down. Here's what fixing it — and preventing it from happening again — actually required.

26 May 2025 Engineering Performance

Industry Perspective · 7 min read

Retail Banking AI: The Industry Is Measuring Success Wrong

Banks have built sophisticated AI systems to detect fraud, prevent defaults, and flag suspicious activity. They measure success by what those systems catch. The cost of what they wrongly block is larger than most banks have calculated — and it is the number that should be driving AI investment decisions.

19 May 2025 Financial Services Retail Banking