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Ewan MacLeod

Cloud Maturity in Banking: From Migration to Optimisation

Cloud Maturity in Banking: From Migration to Optimisation

Most banks have migrated to the cloud - but few have optimised. How the industry is shifting focus from lift-and-shift to cost control, resilience, and cloud-native operations.

Platform Operating Models: How Banks Are Reorganising Around Technology

Platform Operating Models: How Banks Are Reorganising Around Technology

Banks are reorganising around platform operating models to improve speed, reuse, and scalability. What this means in practice - and why execution remains the hard part.

AI Productivity in Banking: Measuring Real Impact

AI Productivity in Banking: Measuring Real Impact

Measuring AI productivity in banking beyond the hype. Where AI is genuinely improving efficiency and outcomes - and where the business case remains unproven.

Generative AI in Banking: From Experimentation to Enterprise Deployment

Generative AI in Banking: From Experimentation to Enterprise Deployment

Generative AI in banking is moving from experimentation to enterprise deployment. What early adopters have learned about scaling, governance, and real-world impact.

Global Banking Outlook 2024: Margin Pressure, Cost Discipline and Strategic Reset

Global Banking Outlook 2024: Margin Pressure, Cost Discipline and Strategic Reset

A comprehensive assessment of global banking conditions in 2024, examining margin pressure, cost discipline, and the strategic reset underway across major institutions.

SME Banking Reinvented: A New Frontier for Digital Leaders

SME Banking Reinvented: A New Frontier for Digital Leaders

SME banking is being reinvented by digital challengers and platform models. Where the opportunities are - and why incumbents are struggling to compete.

Digital-Only Banks: Scaling Profitability Beyond Growth Metrics

Digital-Only Banks: Scaling Profitability Beyond Growth Metrics

Digital-only banks face a pivotal test: scaling profitability beyond growth metrics. Which strategies are delivering sustainable unit economics and which are running out of road.

Customer Experience in 2023: Why Personalisation Still Falls Short

Customer Experience in 2023: Why Personalisation Still Falls Short

Why personalisation in banking still falls short of customer expectations in 2023, despite years of investment in data and analytics.

The Embedded Finance Shift: Banks at Risk of Disintermediation

The Embedded Finance Shift: Banks at Risk of Disintermediation

Embedded finance is shifting value away from traditional banks. How platform-based distribution is creating disintermediation risks - and what incumbents can do about it.

ESG in Banking: From Reporting Obligation to Strategic Lever

ESG in Banking: From Reporting Obligation to Strategic Lever

ESG in banking is maturing from a reporting obligation into a strategic lever. How leading institutions are turning sustainability commitments into competitive advantage.

Third-Party Risk in the Age of Fintech Ecosystems

Third-Party Risk in the Age of Fintech Ecosystems

Fintech partnerships bring speed and innovation - but also third-party risk that most banks are not managing well. A practical assessment of ecosystem risk in 2023.

Operational Resilience: From Policy to Practice in Tier 1 Banks

Operational Resilience: From Policy to Practice in Tier 1 Banks

Operational resilience is moving from policy to practice in tier 1 banks. How institutions are stress-testing, governing, and embedding resilience into day-to-day operations.