Owned Autonomy · Agentic Squads · Capable Organisations
Owned Autonomy means being accountable for every action an agent takes and sovereign over the stack it runs on. We help banks build the squads, organisational capability and operating model to adopt agentic ways of working — then turn that capability into better propositions and new business models. The people who built the demonstration build with you.
Why we exist
Adopting AI tools is no longer the hard part. The hard part is acting through them safely: 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 it runs on. You cannot be accountable for what you do not control.
That is accountable banking, and it is what we build with you: deploy agentic product squads, ship real AI propositions, stand up the platforms they run on — and leave the capability with you. Not advice. Not a vendor's black-box OS you rent.
What we do
Deploy a squad, prove a proposition, or transform the bank. Each stands alone: not every client needs a transformation programme. Senior, control-grade, outcome-led.
A simple way to buy delivery without buying a transformation. Deploy senior agentic engineers into your teams or consume a complete managed squad, productive from week one and accountable for a defined outcome. AI changes the economics: a small, senior team can carry work that once spread across large, layered delivery groups and rate cards.
Embedded engineer · managed squad · 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, revocable. On-device models and data that never leaves the building where it must not. A fixed, shippable scope.
Fixed-scope build — SOW. The six-week Proposition Blueprint → optional 90-day Proof lives here.
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The whole shift: reshaping 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 approachHow we work
A standalone squad can start immediately. Proposition and transformation work follows a deliberate path from discovery to proof and scale.
Founder-led discovery, drawing on senior enterprise, business and domain architecture. We identify 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, plus selected enterprise-service specialists where needed, 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 needed to 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.
The operating model
A squad can be consumed on its own or become part of a wider change. Discovery is led by DTA's senior leadership and architects. The Glass Tube pilot can be light or full-depth, drawing on selected enterprise services. At scale, durable squads own the Domain Building Blocks.
See it in action
This is what accountable banking looks like, not slideware. An interactive demonstration of differentiated banking propositions on one governed, agent-native platform, built to production-grade controls on synthetic data. It demonstrates the technical capability: the model behind it is production-quality in design, though the platform is not yet product-ready.
Four propositions — Family Wealth, International Student, Premium Yacht and Cross-Border Real-Time Payments — run on the live engine; Franchise Network is honestly labelled a blueprint. Click through each, watch a governed agent prepare and execute a journey, and see authority, consent and evidence kept explicit at every step.
Explore the demonstrationWho you'll work with
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.
Tell us what you're trying to do with AI. We'll tell you, honestly, whether and how we can help.
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