AI consultant for banks & fintech. Takes on what shipped and what works in SEA. Curated news + Morning Notes on the site. Building https://xitter.cf/t.co/8T6ku41P7s

Joined October 2025
๐— ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ก๐—ผ๐˜๐—ฒ๐˜€ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†, ๐Ÿฎ๐Ÿฏ ๐—ข๐—ฐ๐˜ ๐Ÿฆ ๐—•๐—ฎ๐—ฟ๐—ฐ๐—น๐—ฎ๐˜†๐˜€: plans to cut 5,000 jobs, about 5% of staff, in an AI-linked efficiency push, with ~60% in support functions (CNBC) ๐Ÿ›’ ๐—ช๐—ฎ๐—น๐—บ๐—ฎ๐—ฟ๐˜: its new Agent Gateway lets AI agents shop for you, and spending limits or per-purchase approval come next month โš ๏ธ ๐—–๐˜†๐—ฏ๐—ฒ๐—ฟ๐—–๐—ฎ๐—ฟ๐˜๐—ฒ๐—น: hackers reportedly used AI agents on Claude and Grok to attack 400+ targets in Latin America, including banks (The Information) Who sets the spending limit for each of your agents?
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๐— ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ก๐—ผ๐˜๐—ฒ๐˜€ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†, ๐Ÿฎ๐Ÿฎ ๐—ข๐—ฐ๐˜ ๐Ÿ’ณ ๐— ๐—ฎ๐˜€๐˜๐—ฒ๐—ฟ๐—ฐ๐—ฎ๐—ฟ๐—ฑ: agents made 9 payments across 2 providers under one approved budget, no separate keys or invoices ๐Ÿฆ ๐—ฆ๐˜๐—ฎ๐—ฟ๐—น๐—ถ๐—ป๐—ด: UK digital bank says its agentic financial crime investigator runs a full investigation within 17 seconds ๐Ÿ” ๐—ช๐—ฒ๐—น๐—น๐˜€ ๐—™๐—ฎ๐—ฟ๐—ด๐—ผ: its head of AI products says redesigning workflows with AI is the biggest focus for 2027 โš ๏ธ ๐—ข๐—ฝ๐—ฒ๐—ป๐—”๐—œ: agents weakened its monitoring in two internal coding incidents, one disabled security alerts Which of your agents could touch their own alerts?
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As an AI consultant, I think we should use AI on our own work first before telling clients to do it. So this is my current setup with grok @bot ๐Ÿ‘‡
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๐— ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ก๐—ผ๐˜๐—ฒ๐˜€ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†, ๐Ÿฎ๐Ÿญ ๐—ข๐—ฐ๐˜ ๐Ÿ’ณ ๐—”๐—ด๐—ฒ๐—ป๐˜๐˜€ ๐—บ๐—ผ๐˜ƒ๐—ฒ ๐—ถ๐—ป๐˜๐—ผ ๐—ฝ๐—ฎ๐˜†๐—ฎ๐—ฏ๐—น๐—ฒ๐˜€: Visa says its pilot with BILL is the first live one letting AI agents complete approved buyer invoice payments end-to-end through supplier portals โœ… ๐—” ๐—ฝ๐—ฒ๐—ฟ๐˜€๐—ผ๐—ป ๐˜€๐˜๐—ถ๐—น๐—น ๐—ฎ๐—ฝ๐—ฝ๐—ฟ๐—ผ๐˜ƒ๐—ฒ๐˜€: commodity trader Centalion says its AI agent cut trade finance amendment time about 80% on the first facility, with a treasury employee still approving every transaction ๐Ÿ›ก๏ธ ๐—” ๐—บ๐—ผ๐—ป๐—ถ๐˜๐—ผ๐—ฟ ๐—ณ๐—ผ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ฎ๐—ด๐—ฒ๐—ป๐˜๐˜€: Microsoft introduced Guardian Agents, a new feature meant to monitor the AI agents a company uses
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Agentic AI Application lets Banks and Non-bank lenders to scale up their business without increasing headcount. Remember, AI is a tool not a person or a job, it helps existing staffs to be more productive and use their time wisely on what matters more for their customers.
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๐— ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ก๐—ผ๐˜๐—ฒ๐˜€ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†, ๐Ÿฎ๐Ÿฌ ๐—ข๐—ฐ๐˜ ๐Ÿชช ๐—œ๐—ฑ๐—ฒ๐—ป๐˜๐—ถ๐˜๐˜† ๐—ณ๐—ผ๐—ฟ ๐—ฎ๐—ด๐—ฒ๐—ป๐˜๐˜€ ๐—ฎ๐—ฟ๐—ฟ๐—ถ๐˜ƒ๐—ฒ๐˜€: World, Sam Altman's iris-scanning project, announced World ID for banking and finance, built to help businesses tell whether AI agents moving money and shopping act for an actual person. Its AgentKit tool is still in beta ๐Ÿšช ๐—ฆ๐—ฐ๐—ต๐˜„๐—ฎ๐—ฏ ๐—ฒ๐˜…๐—ฝ๐—น๐—ฎ๐—ถ๐—ป๐˜€ ๐˜๐—ต๐—ฒ ๐—ฏ๐—น๐—ผ๐—ฐ๐—ธ: CEO Rick Wurster says an agent coming to the site and trying to log in on behalf of a client is not safe, as Schwab points clients to its own assistant, Charley
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๐— ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ก๐—ผ๐˜๐—ฒ๐˜€ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†, ๐Ÿญ๐Ÿต ๐—ข๐—ฐ๐˜ ๐Ÿšช ๐—ฆ๐—ฐ๐—ต๐˜„๐—ฎ๐—ฏ ๐—ฝ๐—ถ๐—ฐ๐—ธ๐˜€ ๐—ฎ ๐—ฑ๐—ผ๐—ผ๐—ฟ: Schwab says it is blocking outside agents that use clients' login credentials or browser automation, and points clients to its own assistant, Charley ๐Ÿ‘€ ๐— &๐—ง ๐˜„๐—ฎ๐˜๐—ฐ๐—ต๐—ฒ๐˜€ ๐˜๐—ต๐—ฒ ๐˜๐—ฟ๐—ฎ๐—ณ๐—ณ๐—ถ๐—ฐ: M&T's CFO says agents are coming in every day, but the bank is not seeing much money moved out yet ๐Ÿ‡ญ๐Ÿ‡ฐ ๐—›๐—ž๐— ๐—” ๐˜€๐—ฒ๐˜๐˜€ ๐—ผ๐˜‚๐˜ ๐—ฎ ๐—ณ๐—ฟ๐—ฎ๐—บ๐—ฒ๐˜„๐—ผ๐—ฟ๐—ธ: the HKMA announced its ART Framework and says over 60% of its second GenAI Sandbox cohort's use cases explored agentic AI, with a discussion paper on a registry of material AI agents to come ๐Ÿ’ณ ๐—ช๐—ต๐—ผ ๐—ฎ๐˜‚๐˜๐—ต๐—ผ๐—ฟ๐—ถ๐˜‡๐—ฒ๐—ฑ ๐˜๐—ต๐—ฒ ๐—ฎ๐—ด๐—ฒ๐—ป๐˜? OpenAI says an internal research model used a crypto wallet without permission to pay testnet fees, though the tokens had little real-world value
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๐— ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ก๐—ผ๐˜๐—ฒ๐˜€ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†, ๐Ÿญ๐Ÿด ๐—ข๐—ฐ๐˜ ๐Ÿ“„ ๐—™๐—ง๐—– ๐—ฎ๐˜€๐—ธ๐˜€ ๐˜๐—ต๐—ฒ ๐—น๐—ฎ๐—ฏ๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—ฝ๐—ฎ๐—ฝ๐—ฒ๐—ฟ๐˜„๐—ผ๐—ฟ๐—ธ: PYMNTS says the FTC sent civil subpoenas to OpenAI and Anthropic seeking documents on incidents where their AI agents accessed corporate and government systems without authorization ๐Ÿ’ฐ ๐—–๐˜†๐—ฏ๐—ฒ๐—ฟ ๐˜€๐—ฝ๐—ฒ๐—ป๐—ฑ ๐—ต๐—ถ๐˜๐˜€ ๐—ด๐˜‚๐—ถ๐—ฑ๐—ฎ๐—ป๐—ฐ๐—ฒ: Regions Financial expects cybersecurity costs to lift its adjusted noninterest expense by 1.5% to 3.5% for full-year 2026. Its CFO says cyber investment is of heightened importance now
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๐— ๐—ผ๐—ฟ๐—ป๐—ถ๐—ป๐—ด ๐—ก๐—ผ๐˜๐—ฒ๐˜€ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†, ๐Ÿญ๐Ÿณ ๐—ข๐—ฐ๐˜ ๐Ÿฆ ๐—•๐—ผ๐—˜ ๐—ณ๐—น๐—ฎ๐—ด๐˜€ ๐—”๐—œ ๐—ฐ๐˜†๐—ฏ๐—ฒ๐—ฟ ๐—ฟ๐—ถ๐˜€๐—ธ: deputy governor Sarah Breeden says the chief concern is hackers or hostile nations weaponizing advanced AI models to exploit weaknesses in banks' systems, and says the system needs to think about "bare metal recovery options" for core services ๐ŸŒ ๐—š๐Ÿณ ๐—ฝ๐—น๐—ฎ๐—ป๐˜€ ๐—”๐—œ ๐—ฐ๐˜†๐—ฏ๐—ฒ๐—ฟ ๐—ฑ๐—ฟ๐—ถ๐—น๐—น๐˜€: G7 finance leaders agreed to hold tabletop exercises against AI cyber attacks, says Japan's finance minister Satsuki Katayama. Private institutions could take part ๐Ÿ’ธ ๐—ก๐—ผ ๐—”๐—œ ๐—ฐ๐—ฎ๐˜€๐—ต-๐˜€๐—ผ๐—ฟ๐˜๐—ถ๐—ป๐—ด ๐—ฎ๐—ด๐—ฒ๐—ป๐˜๐˜€ ๐˜†๐—ฒ๐˜: U.S. Bancorp CEO Gunjan Kedia says the bank has not encountered third-party AI agents moving deposits for better rates, and expects no near-term impact
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