Writing · Agentic TOM
Writing on agentic AI, operating model transformation, and the structural shifts arriving faster than most institutions assume.
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Three layers of workforce, escalation designed in, outcomes owned end-to-end.
When every client sends an agent, volume multiplies and revenue does not.
What the few companies with a measurable EBIT effect do differently.
July 7, 2026
·4 min read
McKinsey's State of AI survey puts the share of companies reporting a significant EBIT effect from AI at six percent. Membership in that club has little to do with technology access. Three habits separate it from the other 94 percent: breadth, iteration, and the discipline to stop.
ReadJuly 3, 2026
·5 min read
The average time from vulnerability disclosure to first exploitation has collapsed from 2.3 years to roughly three hours. AI fills delivery pipelines with more change than human review can absorb. Testing is the next function that must become agentic, and in a bank it doubles as a governance control.
ReadJune 17, 2026
·4 min read
MROS received 21'087 suspicious activity reports in 2025, four times the volume of 2020. Budgets are flat, analysts leave within a year, and 99 percent of screening alerts are noise. Financial crime compliance is the first banking function where the case for agents is arithmetic rather than ambition.
ReadMay 15, 2026
·3 min read
Most clients do not complain because the effort exceeds the perceived payoff. AI agents remove that friction. Every suitability gap, every undisclosed risk, every underperforming mandate — surfaced automatically.
ReadMay 1, 2026
·3 min read
AI agents do not just find better offers. They create transparency that restructures pricing power. When every wealth management client can benchmark fees in real time, margins compress from the demand side.
ReadApril 17, 2026
·3 min read
The family office model has always been gated by wealth. AI agents remove the gate. What happens to wealth management when every client gets institutional-grade attention?
ReadApril 9, 2026
·4 min read
Every bank executive looking at agentic AI eventually arrives at the same question. How do I let it touch the systems of record without losing trust, audit, or control? The answer lies in the layer that carries the AI's decision into the system of record.
ReadApril 8, 2026
·2 min read
Every bank COO has a planning horizon. Most assume 18 to 36 months. Anthropic released Claude Managed Agents this morning. The window just got shorter.
ReadApril 2, 2026
·6 min read
Every bank deploying AI agents will face the same organisational question: who is responsible for a workforce that is not human? Neither IT nor HR can own this alone. It is a design decision most institutions have not yet made.
ReadMarch 19, 2026
·5 min read
Nobody went from manual brakes to self-driving overnight. The same progression is playing out in banking, and most institutions are stuck between Level 1 and Level 2, mistaking early automation for readiness.
ReadMarch 5, 2026
·7 min read
What does mortgage origination look like when bots, agents, and humans each play their designed role? A worked example of the three-layer model applied to one end-to-end process — grounded in FINMA's regulatory expectations.
ReadFebruary 19, 2026
·5 min read
The agentic shift most banks are preparing for is internal. The one that will hit first is external. When every mortgage seeker has an AI agent, your inbound volume multiplies dramatically. Your revenue does not.
ReadFebruary 12, 2026
·1 min read
Every bank deploying AI agents has skipped the most basic step in workforce management: defining what the agent is actually hired to do.
ReadJanuary 22, 2026
·2 min read
The failure mode of most automation projects is not that machines make wrong decisions. It is that nobody designed when and how the decision returns to a human.
ReadJanuary 22, 2026
·3 min read
Switzerland has attributes that could make it a global leader in responsible agentic deployment. FINMA's principles-based framework, data sovereignty, and the depth of relationship banking all point in the same direction.
ReadJanuary 8, 2026
·6 min read
Most discussions about AI in banking focus on tools. The more consequential question is how the organisation itself must change to absorb what these tools make possible.
ReadStay in touch
Questions, disagreement, or a case from your institution: find Marc on LinkedIn.