Insights on emerging tech, digital strategy, #data, #AI, #compliance, & impact of digital disruption on future of business. On Bluesky @pdeea.bsky.social šŸ¦‹

London
Joined July 2009
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
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London, we’re meeting again this Thursday šŸ„‚ The last one had such good energy, so we’re 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.
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🚨 @Wise has officially moved its primary listing from London to the US šŸ‡ŗšŸ‡ø and will start trading on Nasdaq today. Wise processed Ā£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 you’re building a global FinTech platform at scale, the US capital markets are increasingly becoming the endgame. Over the past years we’ve 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 šŸ‡¬šŸ‡§ → New York šŸ‡ŗšŸ‡ø FinTech migration continues.. Do you think Europe is losing its biggest FinTech champions to the US capital markets?
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Deepa retweeted
Elon Musk
@elonmuskMay 10
Perhaps a restoration of dignity is in order
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The biggest office flex in London today? It’s happening at Revolut’s HQ. And here’s the plot twist: Just days after my update on Visa’s 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 Revolut’s footprint. And yes, that means Deutsche could soon place its own logo on one side of a tower currently dominated by Revolut’s branding. A perfect snapshot of 2025’s FinTech–Bank crossover era šŸ˜‰
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A logo or color scheme won’t make a bank stand out. Personalized experiences, proactive offers, and insights delivered at the right time are what create lasting customer loyalty.
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You don’t 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 ā€œonly scale winsā€ myth.
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Revolut isn’t just expanding… it’s collecting licenses like trophies.
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The best organizations don’t choose between tech and relationships. They build smart strategies that do both. Innovation works best when it strengthens human connection.
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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
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BlackRock strikes $11bn Saudi Arabian natural gas deal on.ft.com/3Hq8lMg
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The strength of agentic AI lies in context. It doesn’t just process financial data. It reads between the lines of customers’ lives to offer real value.
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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 technology’s growth in the country. on.ft.com/45DtwUc
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Deepa retweeted
Dr. Khulood Almani | ŲÆ.Ų®Ł„ŁˆŲÆ المانع
@Khulood_Almani16 Jul 2025
šŸ§ šŸ’”Mastering #GenerativeAI in 2025 āž”ļøThe 9ļøāƒ£-Stage Journeyā¤µļø šŸŽÆKnowing #AI isn’t EnoughšŸ‘‰ Building Responsible, Real-world-ready Systems is What Sets You ApartšŸ‘Œ 1ļøāƒ£ Foundations of AI 🧠 ↳ Clarify differences between AI, ML & DL ↳ Grasp key fundamentals: optimizers, activation functions, gradient descent 2ļøāƒ£ Data & Preprocessing šŸ“Š ↳ High-quality input = high-performance output ↳ Clean, normalize, tokenize, engineer & balance your datasets 3ļøāƒ£ Language Models (LLMs) šŸ—£ļø ↳ Study transformers, positional encoding, scaling laws ↳ Move beyond usage āž”ļø understand the architecture 4ļøāƒ£ Prompt Engineering āš™ļø ↳ Design effective prompts & structured chains ↳ Manage tokens, optimize for precision & clarity 5ļøāƒ£ Fine-tuning & Training šŸ› ļø ↳ Apply PEFT, LoRA, RLHF ↳ Tune models efficiently with limited data 6ļøāƒ£ Multimodal & Generative Models šŸ”„ ↳ Integrate image, video, audio & cross-modal capabilities ↳ Explore diffusion models, captioning & multimodal search 7ļøāƒ£ RAG & Vector Databases šŸ” ↳ Ground LLMs with external knowledge ↳ Work with Pinecone, FAISS, ChromaDB & more 8ļøāƒ£ Ethical & #ResponsibleAI āš–ļø ↳ Address bias, ensure explainability ↳ Prioritize trust, governance & transparency 9ļøāƒ£ Deployment & Real-World Use šŸš€ ↳ From prototype to production ↳ 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
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šŸ”“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 doesn’t 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 we’re 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. šŸ“What Is Anti-Intelligence? Anti-intelligence is not the failure to know. It’s the performance of knowing without understanding. It’s language divorced from memory, context, or intention. Large language models aren’t stupid; they’re structurally blind. They don’t know what they’re saying, and more importantly, they don’t know that they’re saying. It’s not that they lack intelligence in a conventional sense. It’s that they operate on an entirely different architecture that's based on prediction, not perception. And it's worth saying again, they don’t 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. They’re 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. šŸ“The 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. It’s stateless, distributed, high-dimensional and has no memory. It has no ā€œself.ā€ But it excels at one thing and that's coherence without continuity. It’s not a mind, but seeks patterns it doesn't understand. The danger isn’t that we’ve made a sub-par human. It’s that we’ve 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. šŸ“The 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? That’s the asymptotic illusion. AI doesn’t need to be intelligent. It just needs to act the part. And do it at scale, with speed, and without hesitation. The simulation becomes ā€œgood 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 isn’t academic, it’s at the very heart of the human relationship. And at that point, we’re not just dealing with output. We’re 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 phraseā€”ā€œInteresting fact: cats sleep for most of their livesā€ā€”to 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. That’s anti-intelligence made visible. šŸ“Reframing the Discourse Let's remember, calling this ā€œanti-intelligenceā€ isn’t a dismissal. I think it's more of a clarion call that we’ve 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 what’s missing. That’s what anti-intelligence names—not absence, but an inversion to something fundamentally different. šŸ“So, What Now? We’ve 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 don’t simulate us because they’re like us. They simulate us because we trained them to reflect what we’ve written, without grasping why we wrote it. This isn’t 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
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