SET Training - Banking and Fintech

By Stanley Epstein Artificial intelligence is no longer an experimental technology confined to innovation labs. It is embedded in credit decisions, fraud monitoring, customer service workflows, supply chain optimization, and marketing engines. Yet many organizations remain stuck in pilot mode. They run proofs of concept, showcase promising demos, and celebrate incremental wins. But few succeed in turning isolated experiments into enterprise-wide capabilities that consistently improve customer outcomes and operational performance. The difference lies not in algorithms, but in integration. This article examines how institutions move beyond AI hype and embed AI into operational workflows in ways that create measurable customer value at scale. From Experiments to Enterprise Capabilities Most organizations begin with AI pilots. A chatbot here. A fraud detection model there. A predictive churn model in marketing. According to McKinsey & Company , while AI adoption has accelerated globall...

The High-Speed Illusion To the average consumer, the act of paying has reached a state of near-magic. A biometric "tap", a mobile swipe, or a background process so integrated it feels invisible—the expectation is simplicity itself. This effortless front-end experience creates a powerful "High-Speed Illusion" of industry-wide mastery. Indeed, global executives perceive payments as the second most innovative industry on the planet (81%), trailing only information technology. However, as any strategic consultant will tell you, simplicity is often the most expensive thing to build. Beneath this "tap and go" surface lies a hidden friction. The industry is currently locked in a high-stakes "push-pull" struggle: the push of real-time rails and AI-driven convenience against the pull of rigid legacy debt and sophisticated fraud. To understand the future of money, we must look past the consumer interface and confront the internal paradoxes that separate th...

Global X’s report, “Charting Disruption – Outlook for 2026 and Beyond,” outlines the major disruptive technologies and structural shifts expected to shape global growth and investment over the next several years. At the center is the rapid advance and commercialization of Artificial Intelligence, which is driving an enormous buildout of high-performance chips and energy-hungry data centers. This surge in intelligence technologies is also accelerating adoption of Robotics and Physical AI in sectors from manufacturing and logistics to healthcare, while rising geopolitical tensions fuel a sharp increase in Defense Technology spending. The massive electricity needs of AI, electric vehicles, and global manufacturing reshoring require trillions of dollars in new infrastructure, particularly modernized power grids and expanded clean, reliable generation such as nuclear power. Meanwhile, soaring demand for foundational components is tightening supply of Critical Minerals. In parallel, breakthr...

  The BCI Horizon Scan Report 2025 looks at the complexity of the operating environment, providing a well-established benchmarking tool for both expert practitioners and newcomers to the business continuity and resilience industry. The report examines threats ranging from digital challenges and the adoption of new technologies to geopolitical changes and natural hazards, trying to capture the levels of current impact and future concern for practitioners. Furthermore, the results consider the effectiveness and the evolution of the techniques and tools that practitioners use to scan the risk and threat horizon. The rise of new technologies, such as artificial intelligence, is challenging traditional methodologies, but practitioner still see value in the interpersonal exchange of information.

In an era defined by volatility, organizations face a complex and unpredictable risk landscape. Leaders are constantly challenged to distinguish between headline-grabbing threats and the ground-level realities that truly disrupt operations. Navigating this environment requires clear, evidence-based insight into what is happening now and what is likely to happen next. The BCI Horizon Scan Report 2025 provides exactly that insight, delivering a crucial benchmark for resilience professionals worldwide. By combining quantitative survey data with in-depth interviews, the report uncovers a fascinating disconnect between what organizations perceive as their greatest future threats and the issues that are actually causing the most damage today. This post will distill the five most surprising and counterintuitive takeaways from the report. These findings challenge conventional wisdom about business risk and provide a practical guide for leaders seeking to build genuine, future-proof resilience....

  In an era of relentless disruption, the very definition of corporate survival is being rewritten in real time. For decades, business continuity was a back-office discipline of checklists and recovery plans. But a new, more dynamic vision of resilience is emerging from the fog of technological change and geopolitical uncertainty, and it demands a radical shift in our thinking. The Business Continuity Institute (BCI), a leading global authority, has pierced through the noise with its "Resilience Vision 2030 Report." Drawing on insights from over 200 professionals, this analysis is not another predictable forecast. It uncovers a series of surprising, counter-intuitive trends that will redefine what it means for any business to be built to last. The report’s core message is that the future of resilience is less about rigid plans and more about adaptive cultures; less about technical fixes and more about strategic influence. Here are the five most critical takeaways that will s...