The Unified Frontline
Essays
Essays on building the AI-native bank. Every few weeks, when there is something worth saying.
2026
- Mythos arrived: is your architecture ready?A new frontier model lands and the same ritual plays out: task force, pilot, eighteen months, still a pilot. The model was never your bottleneck.10 June 2026 · 11 min read
- You can run a bank with 500 people and 5 million customers. Architecture is the only variable.For 50 years banks have been organised around the account, the ledger and the product. That construct is now the constraint.4 June 2026 · 10 min read
- AI transformation is on the top of everyone's mind right now, but no one has the roadmap.Everyone is wrestling with the same question — how to move AI out of pilot and into production. Start with the customer resolution loop.18 May 2026 · 10 min read
- Introducing the AI-Native Banking OSWhat I revealed on stage at ENGAGE Americas: agents are joining the workforce, and most bank architectures are not ready for a third actor.22 April 2026 · 4 min read
2020
- To all Backbasers, clients, partners, and friends,A letter to the Backbase family in the first weeks of the pandemic, on safety, adaptation and creating the new normal.25 March 2020 · 3 min read
- Become the bank that people loveWhy I started Backbase, and what it takes for a bank to be loved by the people it serves.6 February 2020 · 2 min read
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