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Sanju Biswas

Sanju Biswas Marketing Head at Abhiloans

The Ultimate Guide to AI Model Training: How Machines Learn in 2025

Artificial Intelligence (AI) has evolved from a futuristic concept into the driving force behind automation, personalization, and innovation across every industry. From self-driving cars to ChatGPT-style conversational systems — everything runs on one critical process: AI model training. If you’ve ever wondered how machines actually “learn,” this ...

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Credentials not anchored in law - versus anchored

How will the trust layer work in practise? Feel free to improve ChatGPT's take: When credentials are not anchored in law, the missing legal authority must be compensated with community-governed trust frameworks — aka rulebooks. These rulebooks make the credentials verifiable and usable even without legal mandate. Here’s what’s typically need...

/ai /identity Innovation in Financial Services

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Enterprise credentials carry bigger payloads than personal ones

The now very strong focus on organisation wallet deployment is motivated by getting the right to promise citizens - at home and at work - that life will become big time easier and more secure. This happens when states, municipalities and enterprises can send and receive all sorts of verifiable credentials to - and receive from - interoperable wall...

/ai /identity Innovation in Financial Services

Prasoon Mukherjee

Prasoon Mukherjee Director | Head of Securities Services | GSC-India at Societe Generale Bank

Building an Enduring Workplace - Decoding Organization Culture and Climate

A few weeks ago, I found myself in conversation with a former colleague, an engineer of rare brilliance, once a standout performer at a premier financial institution. Though he had since charted a new course professionally, he remained tethered to the ethos of the place that had shaped his formative years, drawn by a quiet reverence for the organi...

/people /identity High performing teams

Sam Boboev

Sam Boboev Founder at Fintech Wrap Up

Deep Dive: What a16z’s “State of Crypto 2025” Really Says About Stablecoins and AI

Crypto in 2025 is looking less like a rebellious teenager and more like a young adult at the big kids’ table (albeit one still wearing a hoodie). Andreessen Horowitz’s “State of Crypto 2025” report dubs this “the year crypto went mainstream,” and for good reason. From stablecoins suddenly acting as the fastest money on the internet to AI and cryp...

/ai /crypto

Dr Ritesh Jain

Dr Ritesh Jain Advisor at WorldBank

Apple Pay Comes to India’s Cross-Border Payments: The Quiet Rewiring of Trust and Trade

1. A Decade in the Making Over a decade ago, I had the privilege of leading Apple Pay’s launch for Apple and Visa in the UK, building the early foundations of tokenisation and biometric authentication that would go on to redefine how the world transacts. Back then, the notion of paying with a fingerprint on a phone felt like science fiction — the ...

/payments /regulation Fintech

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

ID-Wallets as Control Panels for AI-Agents and Robots 2

Interesting interaction with ChatGPT: Excellent synthesis — and your +++annotations+++ nail the real next frontier. Let’s tighten it into a sharper conceptual narrative fit for WeBuild 🧭 ID-Wallets as Control Panels for AI-Agents and Robots The EUDI- and EUBW-wallets were never meant to be mere credential lockers. They ar...

/ai /identity Innovation in Financial Services

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Halloween Story: Will Incumbent Banks Become Haunted Houses?

Ten years ago, entering any bank branch was like entering a living ecosystem. The air was filled with the sounds of stamping papers, banknote counters, and the noisy rhythm of bank tellers interaction. Lines of people, tellers behind glass, and the smell of printed documents and new unpacked banknotes—it all carried a sense of importance, stabili

/retail /markets Innovation in Financial Services

Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

Europe’s Most Critical Operational Risk: The Cyber-Resilience Challenge Facing Banks

How cyber, ICT, and fraud threats have become the central focus of operational risk management in European banking Introduction European banks have entered a new era of operational risk exposure — one dominated not by rogue traders or faulty models, but by invisible adversaries in cyberspace. As digitalisation accelerates and financial institutions...

/crime Operational Risk Management

Vitaliy Abayev

Vitaliy Abayev Chief Operational Officer at DCM

AI vs Blockchain. Who Runs the Future of Banking?

As the fintech conversation evolves, two narratives are shaping the future of finance: the modernization of financial infrastructure through tokenization — and the rapid rise of artificial intelligence. For now, they are moving in parallel. One is redefining how money moves, the other — how decisions are made. At DCM, we believe the next breakthro...

/payments /inclusion

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