Trends, News, Guides, and Our Expertise
Insights and expert knowledge on Digital Transformation, Risk Management, Information Security, and Regulatory Compliance
AI Governance for Banks: Connecting Data, Models, and Internal Structures
AI governance does not replace what banks already do well. It builds on it. This article shows how data governance, model governance, and internal governance combine into a framework that satisfies supervisors and enables AI at scale: from dataset suitability and continuous monitoring to accountability across the three lines of defense.
Dr. Helge Thiele
July 30, 2026
9th MaRisk Amendment 2026: What Changes for Banks Now
The 9th MaRisk Amendment is final: more proportionality, SNCI reliefs, new size categories. All changes, deadlines and an implementation roadmap to 2027.
David Curtis Behm
July 24, 2026
The EU Benchmarks Regulation Tightens Again: What ESMA's 2026 Internal Control Guidelines Mean for Benchmark Administrators
The EU Benchmarks Regulation has acquired another layer. On 5 May 2026, ESMA published new Guidelines on Internal Controls that apply from 1 October 2026 — the latest step in a regulatory story running straight back to the LIBOR scandal. Here's what benchmark administrators and credit rating agencies now have to demonstrate.
Dr. Helge Thiele
July 17, 2026
The EBA Climate Stress Test: The New 2027 Climate Risk Module and What Banks Should Do
The draft 2027 EBA stress test introduces a dedicated climate risk module, layering transition and flood shocks onto the adverse macro-financial scenario. It leaves capital ratios untouched for now, but it produces exactly the kind of supervisory dataset that shapes future cycles, so the draft is best treated as a dry run.
Dr. Helge Thiele
July 13, 2026
AI Agents Explained: Definition, Examples and Enterprise Adoption. The 2026 Guide
What are AI agents? Definition, how they work, 7 enterprise examples and a 5-step adoption plan: GDPR-compliant and EU AI Act ready.
Boris Friedrich
July 12, 2026
ECB requires action plan on AI-enabled cyber threats by 31 October 2026
ECB Banking Supervision requires all significant institutions to submit an action plan addressing AI-enabled cyber threats by 31 October 2026. What letter SSM-2026-0301 demands, and how the six focus areas map onto DORA.
Phil Hansen
July 10, 2026
LLM security: defending generative AI with the OWASP LLM Top 10
LLM security explained: the OWASP LLM Top 10 (2025), prompt injection in depth, layered defenses, and how to govern generative AI with ISO 42001, ISO 27001 and the EU AI Act.
Phil Hansen
July 07, 2026
Claude Sonnet 5: Near-Opus Performance at a Fraction of the Price — What Enterprises Need to Know
Claude Sonnet 5 nears Opus 4.8 performance at a lower price. Benchmarks, the hidden tokenizer cost trap, and whether it's worth switching.
Boris Friedrich
July 01, 2026
Fable 5 Is Back: What the Lifted US Ban Really Means for Enterprises
Fable 5 is available worldwide again from July 1, 2026, after an 18-day US ban. The conditions, the new safety filter, and what enterprises should do now.
Boris Friedrich
July 01, 2026
PD Model Backtesting in the Spotlight: What the EBA's 2026 Paper Means for European Banks
For two decades, the performance of banks' PD models stayed inside confidential supervisory channels. The EBA's April 2026 Staff Paper changes that — applying systematic PD model backtesting across EU IRB banks, sharpening the binomial test for both asset and serial correlation, and putting a Tier 1 capital number on the result.
Dr. Helge Thiele
June 25, 2026
Digital Invoice Verification: Guide, Benefits & Process (2026)
Digital invoice verification explained: definition, formal and factual checks, mandatory fields, benefits, requirements (e-invoice, GoBD) and the 4-step process, template-free with AI.
Phil Hansen
June 20, 2026
Invoice Verification with SAP & DATEV: Native Checks + AI Automation (2026)
How invoice verification works in SAP (MIRO, MM-IV) and DATEV (Belegfreigabe), where it hits limits, and how AI automates capture and checking and hands documents to SAP and DATEV.
Phil Hansen
June 20, 2026
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