Insights
Research, perspectives, and practical thinking on AI, banking, payments, and enterprise transformation.
Signature thinking
Banks May Preserve the Deposit — but Lose the Depositor
A community and regional bank strategy for stablecoins, tokenized deposits, and the multi-rail era.
Digital Assets·Strategy
Read the Fortune commentary → Selected external publications & contributions
Banking CIO Outlook Regions Bank (Sm)all banks should compete on technology, not fear it
Community banks should meet stablecoins and tokenized deposits head-on, partnering on the rails while keeping the customer relationship, rather than cede digital payments to larger institutions.
Chris B. Kennedy + John D'Agostino
Digital Assets·Strategy
Read at Fortune ↗ White paper Getting Started with Open Banking
A C-suite and board primer on open banking, open finance, and customer-permissioned data sharing — co-authored and edited for FDX.
Joint lead author & editor
Open Banking·Payments
Read the primer → Banking CIO OutlookCompete or Partner: Banks See Rise of FinTech Solutions
How banks should weigh competing with fintechs against partnering with them as fintech solutions gain ground.
Chris B. Kennedy
Fintech·Strategy
Read at CIO Outlook ↗ Regions BankResponsible Artificial Intelligence in Workforce Recruiting
Where AI helps in recruiting, where human judgment has to stay, and the guardrails that keep the process fair.
Chris B. Kennedy + J. Kosoff
AI·Governance·Workforce
Read at Regions ↗Essays & perspectives
Essay AI in Education: Helping Students Demonstrate Mastery in the Generative AI Era
The future of learning assessments is not better AI detection; it is evidence of mastery. The question is no longer "Did the student write this?" It is instead "Can the student demonstrate command of the subject?"
AI·Education·Assurance of Learning
Essay My Son Called Me Lazy for Using AI. So We Started Building Together.
A parent and educator's experiment: instead of restricting AI, we used it as a workshop — and built two apps together, ReadinessIQ and a Chess Trainer.
AI·Education·Building
Essay The Value of AI in Financial Services
Citi's AI disclosures reveal a new value equation — moving the conversation from broad productivity claims to measurable operating economics.
AI·Value·Banking
Essay AI Strategy: From Productivity to Value
AI is making your company faster — but is it making you more valuable? Productivity only creates value when it improves returns on capital.
AI·Value·Strategy
Short takes
Proof points
The evidence beneath these essays — build notes and evaluations — is on Substack in Applied AI and Discovery, written for CIOs and CAIOs.