CURRENT WRITING / 2026
Strategic writing on banking, artificial intelligence, financial infrastructure and the changing architecture of decision-making.
THE 2026 ESSAYS
Read in sequence for the full thesis, or enter at the question most relevant to strategy, governance, distribution, infrastructure or policy.
What studying banking, AI, financial infrastructure and distribution changed in how I think about the future of financial services.
Thesis. The decisive question is moving from what technology can do to who controls what happens between financial intention and financial outcome.
Read essay →Why AI maturity is an incomplete measure once software begins to participate in consequential financial actions.
Thesis. The strategic boundary is not whether an AI system is sophisticated, but what it is permitted to decide, prepare, execute and repeat.
Read essay →Why machine readability may become a new layer of financial distribution when agents begin mediating product discovery.
Thesis. If an agent increasingly decides which products enter the customer’s consideration set, the distribution battle moves upstream from the bank interface.
Read essay →Business banking is moving from a product relationship toward an operating layer connecting payments, accounting, permissions, treasury and software.
Thesis. The more financial workflows converge around the account, the more valuable the layer that coordinates identity, permissions, money and software becomes.
Read essay →What changes when an intelligent agent sits between the customer, the institution and the financial action.
Thesis. An intelligent interface can become economically significant before it becomes legally autonomous: mediation alone can reshape access, responsibility and market power.
Read essay →The essays stay at the level of ideas, strategy and institutional implications. Torinel® is where those questions become German banking research, methodology, evidence and measurement.