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Opinionated Advice About AI
I had the privilege of joining a panel at the FinAI conference in Denver this week, and I want to share a few of the opinions I brought on stage with me. I'm calling them opinions deliberately, because too much of the AI conversation in banking right now is hedged, cautious, and waiting for someone else to go first. So in the spirit of our consortium's principle that data beats opinions but action beats talk, I'm going to be direct. Stop waiting for perfect data. This is the
Madeline Fredin
3 min read
The Cost of Doing Nothing
The danger doesn't arrive when performance is weak. It arrives when performance is strong and confidence is highest. Financial results are lagging indicators.
JP Nicols
3 min read
Projects Don’t Win Customers. Products Do.
Most banks execute projects well — but projects do not create durable competitive advantage.
Sustainable growth requires product discipline tied to customer outcomes and economics. Governance, funding, and metrics must shift from output to performance. Product-led growth is a leadership decision, not an IT upgrade.
JP Nicols
3 min read
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