Principles-Based Regulation (PBR) has become one of the most important approaches in financial services and beyond. Instead of relying on long lists of prescriptive rules, it sets out broad principles that guide behaviour, encourage accountability, and focus on outcomes. In the UK, this model has existed for decades but gained new momentum after the 2008 financial crisis. Regulators argued that detailed rules encouraged a “tick-box” culture, where firms focused on followin

This article explores the key characteristics of Principles-Based Regulation, compares it to rules-based approaches, and examines its benefits, risks, and the critical success factors needed to make it work.

The financial technology (fintech) sector is undergoing a profound transformation thanks to artificial intelligence (AI). This technology is reshaping how financial services operate, making processes faster, smarter, and more secure. From personalized banking to fraud detection, AI applications in fintech are driving innovation and efficiency. This blog post explores the key ways AI is revolutionizing fintech today, providing practical insights and examples.

Agentic AI and orchestration are set to reshape the way governments deliver services to citizens. By enabling autonomous systems that can plan, reason, and coordinate across different functions, governments have an opportunity to create faster, more efficient, and citizen-centred services. The focus is not only on automation, but also on ensuring services are designed to be proactive, reliable, and trustworthy. For governments, adopting agentic AI and orchestration means r

The impact of AI on the Philippines call centre industry is one of the biggest shifts facing the country’s economy today. Since overtaking India in 2010 as the world’s leading call centre capital, the Philippines has relied heavily on its thriving business process outsourcing (BPO) sector. With 1.3 to 1.8 million people employed and contributing over US$30 billion a year, call centres have become a lifeline for Filipino workers and a cornerstone of national growth. However

The National Institute of Standards and Technology (NIST), a U.S. federal agency under the Department of Commerce, plays a key role in setting technology standards that drive innovation and competitiveness. Known for frameworks like the Cybersecurity Framework (CSF), NIST has developed the AI Risk Management Framework (AI RMF) to guide organisations in creating safe, responsible, and trustworthy AI systems. The AI RMF is a voluntary guideline designed to help organisations

Artificial Intelligence (AI) is shaping the future of industries, governments, and societies. The question facing leaders today is whether to prioritise innovation (pushing new breakthroughs) or diffusion (scaling existing solutions). The reality is that both matter—but only when paired with strong governance. The AI-STRIDE Framework (Safe, Trustworthy, Responsible, Innovation, Diffusion for the Enterprise) provides a structured way to manage this balance. It highlights ho

Artificial Intelligence (AI) is no longer just an emerging technology—it is now central to how governments, businesses, and organisations operate. From healthcare and finance to public services and education, AI systems shape decisions that affect individuals and entire societies. With this influence comes significant responsibility. The challenge is clear: how can organisations ensure AI systems remain ethical, secure, and compliant throughout their lifecycle? This is w

Modernising digital government applications in the AI era is no longer optional—it is essential. Citizens now expect services that are as fast and seamless as online banking or shopping, while governments must handle growing cyber threats, legacy IT challenges, and rising costs. Artificial Intelligence (AI), combined with modern cloud platforms and secure digital practices, offers governments the tools to meet these demands. It can automate processes, improve decision-maki

Humphrey AI for Government Policy Making In the corridors of Whitehall, where tradition meets transformation, a quiet revolution is taking place. The UK government has developed Humphrey AI, a suite of artificial intelligence tools designed to speed up decision-making, analyse public consultations, and make civil service work more efficient. Named after the fictional permanent secretary from Yes Minister, Humphrey is more than a digital upgrade – it represents a fundame