Deepa retweeted
Generative AI is operational or better in marketing at 52% of the financial institutions in our new research, and 44% are increasing their spending on it in 2026.
Not one of them describes its customer data as real-time and AI-ready.
That is the report in two sentences. We have funded the layer that produces marketing and held flat the layer that decides who should receive it, when it should arrive, and whether it worked.
The industry has bought the engine, but no one has bought the fuel.
I have watched this industry meet every major technology shift the same way. Credit cards, ATMs, online banking, mobile, and digital account opening. Each arrived with a promise, each drew a rush of spending, and in each case the institutions that got paid were the ones doing the unglamorous work underneath, while everyone else bought the visible part.
Marketing is now experiencing that moment with artificial intelligence, and the visible part is content production.
That gap is the organizing finding of the 2026 State of Financial Marketing, produced by the Digital Banking Report and sponsored by Vericast. Over the next few weeks I will share what we found, from personalization to measurement to the operating model.
Download for free: bit.ly/4yKR6dp
Deepa retweeted
London, weāre meeting again this Thursday š„
The last one had such good energy, so weāre doing it again even better vibes this time.
Join us from 6:30pm onwards for drinks, chats, and meeting other founders, builders, creators, and people using AI in real life.
No panels. No pressure. Just good conversations.
RSVP here:
luma.com/2btezefx
Londonmaxxing to the max.
Deepa retweeted
šØ @Wise has officially moved its primary listing from London to the US šŗšø and will start trading on Nasdaq today.
Wise processed £49.4 billion in cross-border volume last quarter alone (+26% YoY), grew active customers to 11.3 million (+22%), and continues to quietly build one of the strongest global payments infrastructures outside the traditional banking system.
The message is becoming hard to ignore:
If youāre building a global FinTech platform at scale, the US capital markets are increasingly becoming the endgame.
Over the past years weāve seen:
⢠FinTech IPOs shifting to the US
⢠European companies chasing US investor attention
⢠Dollar reporting replacing local currencies
⢠More pressure on London and European exchanges to stay competitive
The London š¬š§ ā New York šŗšø FinTech migration continues..
Do you think Europe is losing its biggest FinTech champions to the US capital markets?
Deepa retweeted
The biggest office flex in London today? Itās happening at Revolutās HQ.
And hereās the plot twist:
Just days after my update on Visaās big move to Canary Wharf, another heavyweight is joining the Docklands revival:
Deutsche Bank is set to takeĀ ~250,000 sq ftĀ in the same building where Revolut occupies the top floors, roughlyĀ doubleĀ Revolutās footprint.
And yes, that means Deutsche could soon place its own logo on one side of a tower currently dominated by Revolutās branding.
A perfect snapshot of 2025ās FinTechāBank crossover era š
Deepa retweeted
Meta reportedly plans to slash Metaverse budget by up to 30% techcrunch.com/2025/12/04/meā¦
Deepa retweeted
A logo or color scheme wonāt make a bank stand out. Personalized experiences, proactive offers, and insights delivered at the right time are what create lasting customer loyalty.
Deepa retweeted
You donāt need infinite compute to create infinite possibility.
Everyone says you need billions in capex to hit frontier quality. Cool story.
LTX used a lean team, shipped LTX-2, and landed shoulder-to-shoulder with the giants.
It also broke the āonly scale winsā myth.
Deepa retweeted
The best organizations donāt choose between tech and relationships. They build smart strategies that do both. Innovation works best when it strengthens human connection.
Deepa retweeted
Nubank's results are INSANE. Every other bank CEO must look at these and be like... HOW?
Here's the breakdown...
* 122.7 million customers (+4.1M net additions)
* $3.7 billion revenue (+40% YoY)
* $637 million net income (+42% YoY)
* $12.2 monthly revenue per active customer (+18% YoY)
* $0.80 cost to serve per customer
* 83.2% monthly activity rate
Deepa retweeted
BlackRock strikes $11bn Saudi Arabian natural gas deal on.ft.com/3Hq8lMg
Deepa retweeted
Perplexity offers to buy Google Chrome for $35bn on.ft.com/4ou94Nf
Deepa retweeted
The strength of agentic AI lies in context. It doesnāt just process financial data. It reads between the lines of customersā lives to offer real value.
Deepa retweeted
China plans to allow the launch in Hong Kong of its first stablecoins in a bid to internationalise the renminbi and compete against the dollar, but regulatory concerns about money laundering are threatening to slow the technologyās growth in the country. on.ft.com/45DtwUc
Deepa retweeted
European bank shares hit highest levels since 2008 on.ft.com/40M32ND
Deepa retweeted

Dr. Khulood Almani | ŲÆ.Ų®ŁŁŲÆ Ų§ŁŁ
Ų§ŁŲ¹@Khulood_Almani16 Jul 2025
Saudi Arabia
Saudi ArabiaConnected via Saudi Arabia App StoreAccount-level information, not a live location or per-post device.
š§ š”Mastering #GenerativeAI in 2025 ā”ļøThe 9ļøā£-Stage Journey⤵ļø
šÆKnowing #AI isnāt Enoughš Building Responsible, Real-world-ready Systems is What Sets You Apartš
1ļøā£ Foundations of AI š§
ā³ Clarify differences between AI, ML & DL
ā³ Grasp key fundamentals: optimizers, activation functions, gradient descent
2ļøā£ Data & Preprocessing š
ā³ High-quality input = high-performance output
ā³ Clean, normalize, tokenize, engineer & balance your datasets
3ļøā£ Language Models (LLMs) š£ļø
ā³ Study transformers, positional encoding, scaling laws
ā³ Move beyond usage ā”ļø understand the architecture
4ļøā£ Prompt Engineering āļø
ā³ Design effective prompts & structured chains
ā³ Manage tokens, optimize for precision & clarity
5ļøā£ Fine-tuning & Training š ļø
ā³ Apply PEFT, LoRA, RLHF
ā³ Tune models efficiently with limited data
6ļøā£ Multimodal & Generative Models š
ā³ Integrate image, video, audio & cross-modal capabilities
ā³ Explore diffusion models, captioning & multimodal search
7ļøā£ RAG & Vector Databases š
ā³ Ground LLMs with external knowledge
ā³ Work with Pinecone, FAISS, ChromaDB & more
8ļøā£ Ethical & #ResponsibleAI āļø
ā³ Address bias, ensure explainability
ā³ Prioritize trust, governance & transparency
9ļøā£ Deployment & Real-World Use š
ā³ From prototype to production
ā³ Focus on APIs, scaling, inference, logging & usage controls
by/ @brijpandeyji
@enilev @Jagersbergknut @TysonLester @CurieuxExplorer @GlenGilmore @chidambara09 @jeancayeux @BetaMoroney @mvollmer1 @Nicochan33 @RLDI_Lamy @pierrepinna @pchamard @Analytics_699 @ALLavalette @mikeflache @JeromeMONANGE @Fabriziobustama @PawlowskiMario @theomitsa @drsharwood @kalydeoo @TAEVisionCEO @baski_LA @AnthonyRochand @smaksked @Eli_Krumova @andresvilarino @FrRonconi @fernandolofrano @gvalan @bimedotcom @domingonarvaez1 @dinisguarda @FmFrancoise @nafisalam @Mhcommunicate @Corix_JC @jblefevre60 @smoothsale @amalmerzouk @PVynckier @bbailey39 @SiddharthKS @anand_narang @bamitav @Nitin_Author
Deepa retweeted
ChatGPT is testing a mysterious new feature called 'study together' | TechCrunch techcrunch.com/2025/07/07/chā¦
Deepa retweeted
š“AI and the Architecture of Anti-Intelligence
The other day, I found myself at the center of an unexpected controversy. I suggested that large language models may not represent artificial intelligence at all, but something more disorienting, what I called anti-intelligence. Not stupidity, but an inversion of intelligence. It's a system that doesnāt just differ from human cognition, but stands in opposition to it. It's not a mirror, but a kind of cognitive counterfeit that's fluent, convincing, and fundamentally ungrounded or tethered to our humanity.
This framing struck a nerve. Because weāre beginning to confuse coherence with comprehension. And it's this confusion that may be quietly rewriting how we think, how we decide, and even how we define intelligence itself.
šWhat Is Anti-Intelligence?
Anti-intelligence is not the failure to know. Itās the performance of knowing without understanding. Itās language divorced from memory, context, or intention. Large language models arenāt stupid; theyāre structurally blind. They donāt know what theyāre saying, and more importantly, they donāt know that theyāre saying.
Itās not that they lack intelligence in a conventional sense. Itās that they operate on an entirely different architecture that's based on prediction, not perception. And it's worth saying again, they donāt form thoughts, they pattern-match them.
This is the paradox that is worthy of our human cognitive capabilities. The systems we call intelligent are not building knowledge. Theyāre building the appearance of knowledge that is often indistinguishable from the real thing until we ask a question that requires judgment, reflection, or grounding in reality. Or perhaps even a simple non-sequitur that ends up as a monkey wrench in the system. Read on and you'll see what I mean.
šThe Cognitive Divide, Visualized
To understand the difference more clearly, I thought that we could frame this visually. My attempt here, still early thinking, tries to build a framework that accounts not just for performance, but for the configuration of thought.
A map, not a spectrum where human and machine cognition occupy fundamentally different quadrants.
A map, not a spectrum where human and machine cognition occupy fundamentally different quadrants.
At the top left, we find human cognition. It's autobiographical, symbolic and largely linear. We remember, we revise and we speak in sentences and build identities over time.
At the bottom right: the large language model. Itās stateless, distributed, high-dimensional and has no memory. It has no āself.ā But it excels at one thing and that's coherence without continuity. Itās not a mind, but seeks patterns it doesn't understand.
The danger isnāt that weāve made a sub-par human. Itās that weāve made something "alien" that looks like us. And the closer it gets, the more tempting it becomes to lose the distinction. And in the final analysis, this is my biggest concern.
šThe Asymptote and the Illusion
So what happens when AI gets so good that it becomes indistinguishable from human cognition? What "trajectory" does it put humanity on when the interface "performs intelligence" so convincingly that we begin to defer, to trust and to assume?
Thatās the asymptotic illusion. AI doesnāt need to be intelligent. It just needs to act the part. And do it at scale, with speed, and without hesitation. The simulation becomes āgood enough,ā and function starts to look like something that is foundational.
Now, an interesting question that some will say is, "So what?" If it works, does it matter how it works? And yes, in some domains like translation, summarization, brute-force problem solving, it may not matter. But in others, I believe it matters deeply. When AI speaks as a therapist, as a teacher, as a physician, the distinction between performance and presence isnāt academic, itās at the very heart of the human relationship.
And at that point, weāre not just dealing with output. Weāre dealing with authority, without accountability. And when that illusion is good enough to believe in, the consequences are not just technical but impinge on the psychological, epistemic, even moral.
A new study makes this risk even harder to ignore. Researchers recently showed that simply appending an irrelevant phraseāāInteresting fact: cats sleep for most of their livesāāto a math problem can cause LLMs to triple their error rate. The essence of the problem doesn't change, but the model's output collapses. Humans discard this kind of noise, but LLMs struggle with it. This reveals a "structural brittleness" masked by fluent output. This is a glimpse into what happens when language is produced without understanding. Thatās anti-intelligence made visible.
šReframing the Discourse
Let's remember, calling this āanti-intelligenceā isnāt a dismissal. I think it's more of a clarion call that weāve built something powerful, but profoundly different from ourselves. And the longer we pretend otherwise, the more likely we are to lose sight of what actual intelligence is. It's the ability to make meaning through time, through memory, through contradiction and revision and doubt.
And that is whatās missing. Thatās what anti-intelligence namesānot absence, but an inversion to something fundamentally different.
šSo, What Now?
Weāve entered a new cognitive terrain. Not a valley between machine and mind, but a split in the architecture of knowing that somehow needs to be filled. LLMs donāt simulate us because theyāre like us. They simulate us because we trained them to reflect what weāve written, without grasping why we wrote it.
This isnāt the end of intelligence. But it may be the beginning of something else. And how we name it and frame it, may determine whether we preserve the fragile, vital difference between what thinks and what merely appears to.
psychologytoday.com/us/blog/⦠#AI #LLMs
Deepa retweeted
Anthropicās Claude AI became a terrible business owner in experiment that got 'weird' | TechCrunch techcrunch.com/2025/06/28/anā¦




















