The record
Banking & Fintech
What we track here
Payment and settlement infrastructure, embedded finance and banking-as-a-service, regulation-driven categories around DORA, PSD3 and MiCA, risk and compliance automation, and AI in credit, treasury and financial crime — the categories financial institutions will budget for next.
3 records on file. Each entry is frozen at publication and resolves on its due date.
Published 15 Jul 2026
Resolves 10 JUL 2027
The silent cost of fragmented turnaround strategies in financial services
We believe banks will increasingly abandon fragmented turnaround strategies because the measurable cost of misalignment between financial and operational levers now outweighs the effort of integration.
Published 03 Aug 2026
Resolves 27 JUL 2027
Who owns the customer's anxiety?
We believe customer trust will deteriorate fastest in banks that automate decisions without redesigning accountability because a seamless digital front end cannot compensate for fragmented ownership when something goes wrong.
Published 03 Aug 2026
Resolves 23 JAN 2028
Why turnaround strategies are making banks weaker
We believe banks pursuing fragmentary turnaround strategies will experience compounding instability because quick fixes often mask underlying operational weaknesses that re-emerge under stress.