Owned Autonomy means you stay accountable for every action an agent takes, and sovereign over the stack it runs on. We build the squads, the operating model and the propositions with you. The people who built the demonstration build with you.
A regulated bank can only let an agent move money or run a journey if it is accountable for every action that agent takes and sovereign over the agents, data and models behind it. You cannot be accountable for what you do not control.
That is accountable banking. We build it with you: agentic squads, real AI propositions, the platforms they run on. You keep the working capability.
Deploy a squad, prove a proposition, or transform the bank. Each stands on its own. Not every client needs a full programme.
Buy delivery without buying a transformation. Put senior agentic engineers in your teams, or take a complete managed squad. Productive from week one, accountable for a defined outcome. A small senior team now carries work that used to need large, layered delivery groups.
Embedded engineer, managed squad or fractional lead. Day rate, SOW or managed service.
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Hand us an outcome and we build the agentic product or journey end to end, to the same control standards as our Clean-Room Demonstration. Every agent action authorised, evidenced and revocable. On-device models where data must not leave the building. A fixed, shippable scope.
Fixed-scope build (SOW). Home of the six-week Proposition Blueprint and optional 90-day Proof.
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The whole shift. We reshape the bank around agentic ways of working: its operating model, decision rights, capabilities and the business models they enable. Underneath sits an accountable, sovereign Capability·Context·Consent (C3) architecture, connected to regulated settlement and led from inside the bank.
Transformation programme. You keep the capability; our opinionated model stays our IP.
See our approachA standalone squad can start immediately. Proposition and transformation work follows a deliberate path from discovery to proof to scale.
Founder-led discovery, drawing on senior enterprise, business and domain architecture. We find the value drivers, proposition, domains and organisational changes that justify using AI. This is senior advisory work, not squad delivery.
The pilot is a Glass Tube, sized to the question. A light version lands a Product Owner and Forward Platform Engineer, with selected enterprise specialists, to build a working prototype in a controlled sandbox. A fuller version runs the first domain end to end, adding the squad, coaches, controls and business functions that prove the operating model.
Scale what the Glass Tube has proved. Multiple squads take ownership of the Domain Building Blocks, while coaches and specialists across finance, HR, procurement, risk and audit extend the model through the organisation.
A squad can be consumed on its own or join a wider change. DTA's senior leadership and architects lead discovery. The Glass Tube pilot runs light or full-depth. At scale, durable squads own the Domain Building Blocks.
An interactive demonstration of banking propositions on one governed, agent-native platform, built to production-grade controls on synthetic data. It is a working proving ground: production-grade in design and built for testing propositions, deliberately not a production system that runs with real customers.
Because it is expressed in open standards, ISO 20022 messaging, BIAN domain boundaries and recognised control frameworks, the demonstration doubles as a working specification: portable, reusable, and ready for whatever vendor a bank chooses to build with.
Four propositions are interactive demonstrations: Family Wealth, International Student, Premium Yacht and Cross-Border Real-Time Payments. Franchise Network is a blueprint. Click through each one to watch a governed agent prepare and execute a journey, with authority, consent and evidence explicit at every step.
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Sailesh is a technology, payments and transformation leader in UK financial services and FinTech. As CTO and Payments & Economic Crime Director at TSB Bank, he led a bank-wide transformation that brought technology and business leadership closer together. It simplified the cost base, accelerated delivery, reduced fraud, supported growth in payments, unified architecture and established the bank's AI Centre of Excellence.
He has built regulated banks from the ground up and shaped national infrastructure. As Group CTO at Orwell Group he conceived the ipagoo platform, the first cloud-first regulated EMI certified by the FCA and ACPR on AWS and Azure, live on the UK payment schemes in months and winner of the 2018 FIA Award. As Chief Architect for the Payment Systems Regulator he led the New Payments Architecture, and he has contributed to Bank of England, ISO 20022 and Open Banking committees.
Earlier roles include Director of Engineering at Metro Bank (Agile/SAFe at scale), Head of Regulatory Architecture at Lloyds Banking Group (a £250m+ portfolio spanning FSCS, CASS, payM and PSD2/Open Banking), CTO at Travelex and Chief Architect at JPMorgan. He founded Digital Transformation Advisory in 2019 and is writing a book on digital transformation in UK banking.
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