Insights
Insights
Perspectives from fin.associates on the decisions facing the boards and executive teams of retail and commercial banks.
8 August 2026
The ten decisions that determine a core replacement before the vendor is chosen
Boards treat vendor selection as the decision. By the time a shortlist exists, most of the outcome has already been settled — some of it by default.
1 August 2026
Why cost programmes unwind by year three
The savings are usually real. The problem is that the work was removed without the demand for it being removed.
24 July 2026
Risk appetite statements that actually constrain
Most describe the risk a firm is already taking. Very few would stop a decision the executive wanted to make.
10 July 2026
What supervision actually changes
Regulatory attention reliably produces reporting. Whether it produces different behaviour depends on things that are decided early.