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Thoughts, ideas, and explorations.
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AI Agents in Banking Need Better Audit Trails. Here's an Azure Pattern Worth Considering.
Treasury's new FS AI RMF gives banks a practical lens for AI governance. Here's an executive view of the audit-trail questions to think through, and why Azure may be a pragmatic option.
The Banking Industry Just Changed: What the OCC's Crypto Charters Mean for Community Banks
On December 12, 2025, the OCC approved national trust bank charters for Circle, Ripple, BitGo, Fidelity Digital Assets, and Paxos. Here's what this means for community banks, and what we can actually do about it.