Writing
Enterprise AI, workflow design and field-tested systems thinking — 230 pieces so far
camt.052 vs MT942: The Intraday Report, Field by Field
camt.052 and MT942 side by side: what each intraday report carries, the balances camt.052 may omit, MT942's floor limit and totals, and where banks diverge.
Payment Hub vs Payment Factory: What's the Difference?
A payment factory is an operating model — how the company organizes paying. A payment hub is the technology layer payments travel through. How they differ.
pain.008: SEPA Direct Debit Initiation Explained
pain.008 (CustomerDirectDebitInitiation) is the ISO 20022 message a creditor sends to pull funds — mandates, FRST/RCUR sequence types, Core vs B2B, refunds.
Virtual Account Management (VAM): Structures and Design
Virtual account management (VAM) is how you design and run virtual account structures — hierarchies, subledgers, virtual IBANs — and when each type fits.
Is There a Gartner Magic Quadrant for TMS?
There is no dedicated Gartner Magic Quadrant for treasury management systems. What Gartner actually covers, and how to shortlist a TMS without a quadrant.
The OWASP LLM Top 10 (2026), Read From a Finance Seat
All ten 2026 entries with what changed from 2025 — and which of them a finance or treasury deployment actually meets first.
NIST AI RMF: The Functions and Categories, Explained
All four functions and 19 categories of the NIST AI Risk Management Framework, with subcategory counts — and which finance controls already cover each one.
Four-Eyes and Segregation of Duties for AI Agents
A human clicking approve on an agent's proposal is not a second pair of eyes. What independence requires when one of the two parties is a model.
Should You Connect an AI Agent Directly to Your ERP?
Practitioners say don't, vendors say it's supported. They answer different questions. Three things a direct connection costs — one of them commercial.
AI Pilot Exit Criteria: What a Pilot Must Prove
Not an accuracy percentage. The five gates a pilot has to pass before production — borrowed from cutover, where the questions are older and harder.
How to Judge an Enterprise AI Vendor's Claims
An accuracy number without a denominator is not a claim. The questions that separate a product from a demo, from someone who runs vendor selections.
Where to Start With Enterprise AI
Not with a pilot. A sequence borrowed from enterprise systems delivery — and the three steps in it that change when the component is probabilistic.
AI Agents in SAP: What Actually Lands in the System
Role-aware is not segregation-safe. What an agent posting in S/4HANA leaves on the document, in the release path, and in front of the auditor at period end.
Can an AI Agent Approve Its Own Payment?
It is not a new question. It is a release strategy — and the per-transaction limit everyone reaches for is the one an agent defeats first.
Security Boundaries for Enterprise AI Agents
An agent that reads untrusted content can be instructed by it. What the boundaries are, which of them hold under pressure, and which are theatre.
The EU AI Act's High-Risk Rules Are a Control Environment
The high-risk deadline moved to December 2027. What the rules ask for did not move — and a finance function already runs most of it under other names.
AI Workflow Teardown: Bank Reconciliation
Bank reconciliation taken apart: why the matching engine was never the bottleneck, what AI does with the residue, and which breaks need a named human.
Agent Identity: Who Is the AI Acting As?
Delegated, shared, agent-specific or temporary — the four identities an AI agent can act under, and what each one costs you in attribution and blast radius.
The Enterprise AI Control Layer
You cannot make an AI system safe by improving the model. Safety lives in a control layer between your systems of record and the agents acting on them.
How to Measure ROI From an AI Workflow
Licences times adoption times a guess measures deployment, not outcome. The ten metrics that move when work is redesigned, and how to baseline them credibly.
Designing the Exception Path
Demos are built on the clean case; enterprise work lives in the other one. Detection, queue, escalation, resolution and the write-back almost everyone omits.
Human Decision Rights in AI-Native Workflows
The useful question is not what AI can automate. It is who is allowed to decide what — a rights matrix over every action a workflow contains.
How to Find Workflows Worth Redesigning With AI
Eight dimensions you can observe rather than debate — frequency, effort, input, judgement, exceptions, error cost, state, control — and the verdict they give.
AI Workflow Teardown: Cash Forecasting
A corporate cash forecast, taken apart: where the elapsed time really sits, what stays deterministic, what AI genuinely does, and what a named human decides.