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Banking, GenAI Andrew Alaniz Banking, GenAI Andrew Alaniz

Google’s AP2 and the Future of OpenBanking

Google’s AP2 protocol is reshaping the conversation on AI-driven payments, but with little participation from major U.S. banks, the risks of fragmentation are growing. As fintechs and card networks move quickly, it’s time for banks to step up and ensure open banking keeps pace with emerging standards.

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Banking Andrew Alaniz Banking Andrew Alaniz

Regulatory Expectations for Startup and Community Banks

Startup and community banks face the same regulatory expectations as large financial institutions without the same resources. Many lean on hosted platforms, small tech teams, and outsourced vendors. But with rising cybersecurity risks, even minor disruptions can have outsized financial and reputational impacts. This post explores how smaller banks can right-size security, avoid common vendor pitfalls, and meet regulator expectations without overspending.

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Banking, Artificial Intelligence, GenAI Andrew Alaniz Banking, Artificial Intelligence, GenAI Andrew Alaniz

AI Risk in Banking: Preparing for Regulator Expectations

Artificial Intelligence in banking isn’t new, but its speed of deployment and regulatory scrutiny are unprecedented. Banks face a “bandwagon effect,” rushing AI initiatives while balancing risk management, governance, and consumer expectations. Key challenges like explainability and hallucinations require embedding AI into existing model risk frameworks, with strong controls, transparency, and incident readiness to safeguard compliance and trust.

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