An open-banking roadmap can describe a compelling future. It cannot tell an operations team what to do when a connection fails, access changes or a vendor's answer stops at the edge of its contract.
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“Crypto company becomes a bank” is a tidy headline. It is a poor substitute for reading what the company is actually allowed to do.
Two banks. Two decisions. One useful lesson for lending executives: modernizing the machinery does not mean handing everyone the controls.
A final rule is not a product launch. It is the point where a strategy presentation needs owners, controls, and an implementation plan.
A borrower’s AI assistant can sound confident. Your institution still needs to know whether it has permission.