The future of banking will be decided by its architecture
Dr Gulzar Singh reflects on how banking risk is increasingly shaped by institutional design, operating discipline, and board-level visibility, rather than isolated events
Comment & Opinion
The Market Is Not Ready for 2026: Liquidity Depth Is Shrinking While Complexity Explodes
Revolut’s Hungarian license highlights trade-offs of becoming a real bank
Pre-built AI agents are arriving. Integration is where most will fail
Technology in production: Why most digital capability breaks after deployment
The new architecture of banking risk
The end of outsourced risk: NYDFS guidance and the future of financial resilience
AI, cyber, and climate change will be the key insurance themes in 2026
