Why are banks ‘trying to shapeshift’ into technology companies?
Referenced by IBM Institute for Business Value
and SME Finance Forum
BANKING / TECHNOLOGY / CONTROL
Who controls what
comes next in banking?
I examine how technology is shifting control across banking — from distribution and infrastructure to artificial intelligence, authority and financial decision-making.
CURRENT WRITING / 2026
Essays
Five essays. One argument about where decision power is moving in finance.
The essays develop the strategic lens. Torinel® tests it against German banking evidence through research including the Torinel AI Banking Index™.
Earlier work referenced by IBM Institute for Business Value, Infosys Finacle, SME Finance Forum and academic research.
SELECTED EARLIER WORK
View complete archive →
Open Bank API Ecosystem as Firewall Against Fintechs
Referenced by
Infosys Finacle
Banks: Rigid Decision-Making and the Bureaucratic Trap
Cited in academic
research
FinTech Segments
Preserved by Wikimedia Commons and used across Wikipedia/Wikidata projects
IDEAS → EVIDENCE
KEVIN MOSERI
Strategic interpretation
Names the structural shift and develops the strategic lens.
TORINEL®
German banking research & measurement
Tests the ideas against observable evidence, methodology and institutions.
ABOUT KEVIN MOSERI
I examine how technology changes who controls banking.
I began writing about structural change in banking during the first fintech wave. Today my work focuses on a new transition: artificial intelligence, financial infrastructure and the movement of decision power across the financial system.
I develop those ideas through Essays and founded Torinel® to test them against observable evidence in German banking.
About Kevin Moseri →