Notes

Short notes on what I see where fields cross. Each note has a date and says what its evidence is.

• What breaks when the AI project list goes from 5 to 3010 Oct 2026 · Cambridge CCAF (2026), Gartner (2025), MIT NANDA (2025), and nCino and Wolf & Company surveys (2026). The failure modes and the response are my view, from work with lenders and credit firms. I am a partner of Strategy of Things, whose reference model this note draws on.
• A problem pattern in credit and compliance, and an approach built for it24 Sep 2026 · Public vendor, regulatory, and standards material. The pattern and my reading of the approach are my view. I invest in an early-stage regtech company in this field.
• Where compliance spend pays off at small banks24 Sep 2026 · CSBS, FDIC, and NCUA data; FinCEN and EU rule dates. The argument is my view. I invest in a company that works in this layer.