Insights
Blog & Insights
Analyses and guides on AI, data, security and regulation in the financial sector – and what they mean for marketing, sales and customer service.

Data & Technology
Your AI Stack for Banking: Nine Building Blocks from Customer Data to AI Assistant and Personalization Engine
A modular AI stack for banks: nine building blocks from deployment and security to CX, with AI Assistant and Personalization Engine on one governed base.

CLM & CVM
The AI Decision Engine Business Case: What Banks Can Calculate Before Go-Live
The AI decision engine business case in banking: three value levers, four cost blocks and cautious scenarios banks can calculate before go-live.

Data & Technology
AI Inference Costs: Why Banks Pay More Despite Cheaper Models, and What Helps
AI inference costs are rising at banks even as tokens get cheaper. Routing, smaller models and compute close to the data bring the bill down.

AI & Banking
AI Bubble or Real Value? How Banks Measure What Their AI Delivers for Customers
AI bubble or real value? Why few banks can prove what their AI delivers and how to measure its impact on customers properly.

Data & Technology
Context Layer in Banking: Why Customer Context Needs Pace, Purpose Limitation and an Expiry Date
A context layer in banking gives AI agents only current, permitted customer context: four speeds, purpose limitation as data and forgetting as a function.

CLM & CVM
Next Best Action in Banking: Ten Use Cases with Trigger, Check Rule and Success Measure
Ten next best action use cases in retail banking with trigger, check rule and success measure, as a table with chart and a customer story.

Automation
The AI Orchestration Layer in Banking: Router, Planner, Domain Agents, Reviewer, and Who Is Responsible for What
What an AI orchestration layer in banking does: four roles, clear responsibilities towards core, CRM and CDP, handovers to people, observability.

Data & Technology
Mastercard AN4569 and Visa's Enhanced Merchant Data: When the Bank Has to Explain Every Transaction
Mastercard AN4569 since 2023, Visa's Enhanced Merchant Data from January 2027: what issuers must show, and what enriched transaction data does beyond that.

CLM & CVM
Customer Value Management for Banks in 2026: Objective Function, Constraints and the Right Organisational Model
Customer value management in banking 2026: definition, how it differs from CLM and CLV, objective function with constraints, org models and job profiles.

AI & Banking
AI Decision Engine in Banking: Five Building Blocks, One Audit Trail and the Real-Time-or-Batch Question
How an AI decision engine in banking is built: five building blocks, explainability and audit trail under MaRisk and the AI Act, real time or batch.

CLM & CVM
The Banking App as a Financial Hub: Personal Finance Management, CLM, Service and a Virtual Advisor from One Data Loop
How CRM and transaction data, CLM, customer service and a virtual advisor come together in the banking app – with 16 use cases by category.

Automation
AI Marketing Automation in Banking: What Changes Compared with Campaign Automation
AI marketing automation in banking: tools have tripled, impact has slipped. Five shifts compared with campaign automation, and what to build first.