24/09/2026 · Articles This looks like AI You open a presentation and start going through the slides. It looks good, organized and visually consistent. But something catches your attention. The arrangement of the elements, the icons, the symmetry. At some point you recognize it: this was…
17/09/2026 · Articles BaaS modularity in the face of regulation Banking as a Service emerges from a separation made possible by technology: on one side, the experience offered to customers; on the other, the financial infrastructure needed to make that experience work. A company became able to incorporate…
11/09/2026 · Articles What should be regulated? There is a natural tendency when facing a technology capable of transforming entire markets: create specific regulation for it. Artificial intelligence has been no different. We discuss an AI law, competent authorities, high-risk systems,…
13/08/2026 · Articles Pix and the new competition for digital economy infrastructure US criticism exposes competition that is no longer just between companies, but also between the foundations supporting them.
05/08/2026 · Articles “Law is Law,” “Code is Law” or “Code is Police” In 1999, the American legal scholar Lawrence Lessig published a book that would become one of the most influential works of the digital age. His argument was simple: “Code is Law.” Code — that is, the architecture of digital systems — would regulate…
05/08/2026 · Articles Your price At an IA4FIN lunch, someone mentioned the hypothesis that a ride-hailing app could charge more when a user’s phone battery was about to die. The logic would be simple: someone with only 2% battery is unlikely to close the app to look for another…
20/07/2026 · Articles Integration in the financial system In the financial system, the word “integration” has become an umbrella term. It covers almost everything: APIs, partnerships, suppliers, automation, Banking as a Service and Open Finance.
20/07/2026 · Articles Infrastructure is indispensable There is a phrase attributed to Bill Gates that has been repeated for decades at technology and financial innovation events: “Banking is necessary, banks are not.” Curiously, no one has managed to prove that he actually said these words. The closest…
15/07/2026 · Articles What is turning companies into fintechs? A shift is taking place in corporate strategy. Organizations that never aspired to become financial institutions have begun incorporating financial services as a central part of their operations. This is not simply product diversification. In many…
24/06/2026 · Articles What happened to the “copilot”? Few words became as common in corporate presentations, technology events and product announcements over the past two years as “copilot.” The metaphor seemed perfect for explaining the arrival of artificial intelligence in the workplace. As in an…
