Building the Bank from the Top Down, Technical annex: Agent control, liability and failure
Part 8 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. This annex holds the operating d…
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Building the Bank from the Top Down, Appendix C4–C7: Product lines, guardrails and roadmap
Part 6 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. C4. Beyond the PFA: a North Star…
Building the Bank from the Top Down, Appendix C3: The Personal Finance Agent
Part 5 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. C3. Case in point: the Personal…
Building the Bank from the Top Down, Appendix B: Complication evidence
Part 3 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. B1. A recurring pattern: efficie…
Why Modern Banking Apps Need a Different Architecture: 5 Companies Worth Watching
Banking apps have become one of the most demanding categories of software to build. Customers expect transactions to feel instant. Product teams wan…
Plaid Alternatives in Europe: A PSD2 Developer's Comparison for 2026
Plaid Alternatives in Europe: A PSD2 Developer's Comparison for 2026 Cover image suggestion: A stylised map of Europe made of interconnected bank/AP…