BNPL is Just Subprime Lending with Better UX

Building AI-native systems in regulated environments requires more than just bolting a language model onto existing workflows. The real work happens at the intersection of architecture, governance, and operational design.

Over the past three years, I've worked with banks, fintechs, and insurance companies to design agentic systems that don't just automate tasks — they reshape how organizations think about risk, compliance, and customer experience.