Your AI opens a bank account for you — who goes to jail if it lies?
Finextra opinion piece on accountability, identity and liability as AI agents start acting on our behalf in regulated flows.
05 — Content
Articles, opinion pieces & posts.
A curated feed of my published writing and the LinkedIn posts that got the most traction. Filter by format or topic.
We are working on some pretty cool stuff in order to make the use of AI more secure and sustainable for humankind. While we do that, actually, some interesting topics come up every now and then. Here's a small opinion piece of mine. https://lnkd.in/dYucjuB6
A huge land grab opportunity for financial services is coming to Europe next year. One onboarding and compliance setup will work across all EU markets. The main blocker for cross border scaling disappears. This creates a real land grab. Anyone able to onboard with one process can expand across all EU countries at once. Competition will spike. CAC will rise. Fraud will shift immediately to the weakest stacks. If you want to capture customers across Europe in the next cycle, you need to prepare your onboarding and fraud controls now. For context: this is driven by the new EU AML framework, where the unified technical standards will be issued in July 2026. If you want to understand how to turn this shift into a market expansion advantage, reach out to me.
🚀 Live from Amsterdam — Money20/20 Europe Three themes dominating every conversation at the Signicat booth this week: 1️⃣ The Platform — Onboarding, authentication, e-signing and AML in one unified stack. 40+ eIDs. 1,000+ customers. One API. 2️⃣ AMLR readiness — The EU AML Regulation lands July 2027. Banks and fintechs want continuous KYC and UBO discovery now. Already live. 3️⃣ AI Agents in Onboarding — An agent that sends the request, receives the data back, and completes KYC automatically. Day of back-and-forth, complex rule based decisions→ one conversation. If you're at Money20/20, come find us at the booth. https://lnkd.in/dfA56wFm #Money2020 #Fintech #DigitalIdentity #AML #AI #Signicat #Amsterdam
no consumer credit without eIDAS signatures. The new EU Consumer Credit Directive (CCD2) makes Advanced or Qualified Electronic Signatures (AES/QES) mandatory for all consumer credit contracts – including Buy Now Pay Later. It also requires full audit trails for every step of the process – from pre-contractual information (SECCI) to consent and acceptance. Many countries such as France, Italy, Spain, and the Netherlands previously allowed simple electronic signatures. Under CCD2, that will no longer be compliant. At Signicat Global Solutions, we already deliver complete CCD2-ready flows: AES/QES signing, consent logging, SECCI handling, counter-signing, and integrated onboarding. If your credit or BNPL process isn’t yet CCD2-ready, now is the time to act (PM me). https://lnkd.in/d_EXPm3i #CCD2
Excited to share that we're sponsoring #Money2020EU! Join us where Money does business: https://lnkd.in/dYQBDR6i Money20/20
EU digital identity is about to get very real. And most organisations aren’t ready. Six EU-led pilots are already testing the EUDI Wallet across 26 countries. By December 2027, banks, fintechs, telcos, and regulated industries will be obliged to accept it for identification, authentication, and signing. What this actually means: • KYC will be far more automated Verified attributes flow directly into onboarding – no more juggling national IDs. • Cross-border onboarding gets simpler One framework instead of 27 fragmented identity systems. • QUES/AES integration becomes native The Wallet standardises high-assurance signing flows. Big opportunity, big challenges: interoperability, privacy rules, and aligning legacy tech with a new EU trust infrastructure. If you’re in financial services, mobility, or platform businesses – this shift will touch your onboarding whether you plan for it or not. Happy to exchange views. #TrustServices #eIDAS #KYC #DigitalTransformation #DigitalIdentity #EUDIWallet #Onboarding
When we hear partnership, we think "API!" #Kreditech #emphasisonthetech #happyfintech
Revealing the Latest Kreditech Project - proud of what we have accomplished here!