Blog

2026 • AI Governance • Interactive Explainer

The Model That Nobody Told

A credit model can drift out of tolerance without a single line of code changing — and a transaction-level human reviewer has no way of seeing it happen.

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2026 • Decentralised Finance • Interactive Explainer

Liquidity Is a Number Until It Isn't

DeFi lending protocols replace a credit committee with a formula — but the liquidity mismatch it manages is the same one that has always threatened banks, minus the lender of last resort.

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2026 • Open Finance • 4 min read

The Questions No One Is Asking About Financial Data

We debate who can see your financial data and who must protect it. We barely ask who profits from it — and whether any of that profit should be yours.

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2026 • AI Governance • 4 min read

The "Human in the Loop" Is Often Just a Rubber Stamp

Meaningful human oversight of AI in financial services is quietly being hollowed out, and the hollowing out is largely invisible.

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2026 • AI in Finance • 5 min read

Agentic AI Is Coming to Your Bank — Are Regulators Ready?

What does it mean when an AI system can open accounts, move money, and make investment decisions on your behalf — and what happens when it gets it wrong?

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2026 • Consumer Protection • 5 min read

The Myth of the Checkbox: What “True Consent” Means in Open Finance

Examining the illusion of "Terms and Conditions" in the age of generative AI and Open Finance, and advocating for meaningful, human-centric data sovereignty.

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2026 • Digital Economy • 6 min read

Who Protects South Africans? Regulatory Sovereignty in an Age of Redistributed Financial Power

A deep dive into the regulatory gaps and consumer vulnerabilities as traditional banking yields to algorithmic decision-making and decentralized ledgers.

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