Essays on building the AI-native bank.

• You can run a bank with 500 people and 5 million customers. Architecture is the only variable.For 50 years banks have been organised around the account, the ledger and the product. That construct is now the constraint.4 June 2026 · 10 min read
• AI transformation is on the top of everyone's mind right now, but no one has the roadmap.Everyone is wrestling with the same question — how to move AI out of pilot and into production. Start with the customer resolution loop.18 May 2026 · 10 min read
• Introducing the AI-Native Banking OSWhat I revealed on stage at ENGAGE Americas: agents are joining the workforce, and most bank architectures are not ready for a third actor.22 April 2026 · 4 min read

Longer-form conversations on architecture, agentic AI and what banks actually have to change.

• McKinsey

  Embracing the platform approach

• Spotify · 2024

  Bootstrapping to €2.5 billion

• YouTube

  Large organizations need to be braver

Twenty-three years on the same problem

I started Backbase in Amsterdam in 2003. Today over 150 financial institutions run their customer-facing operations on our platform, and we are rebuilding it around a third actor the industry has never had to design for: AI agents.