Agentic Squads · Accountable AI · Owned Autonomy
Accountable for every action an agent takes; sovereign over the stack it runs on — we call it Owned Autonomy. Start where you need to: deploy senior agentic engineers into your squads now, or transform the whole bank. Either way, 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
Hire the talent, build a proposition, or transform the bank — each rung stands alone, and each leads to the next. Senior, control-grade, outcome-led.
Deploy senior agentic engineers — embedded in your teams or as a managed pod — productive from week one. Not generic contractors: builders fluent in agentic frameworks, evals and on-device models, working to accountable, control-grade standards because they're led by people who've run bank transformation. The fastest way to start.
Embedded engineer · managed pod · 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: making the bank agentic-ready — accountable and sovereign — on a Capability·Context·Consent (C3) architecture, with the agent wired to regulated settlement (ISO 20022, tokenised deposits, agentic payments). Led from inside the bank, not from a deck.
Transformation programme — you keep the capability; our opinionated model stays our IP.
See our approachHow we work
A short, senior-led engagement to map your goals, data constraints and where AI creates real leverage — and where it doesn't.
A focused build that proves value in weeks, not quarters — with evals, guardrails and a clear line back to the outcome you care about.
We embed teams, platforms and practices so the capability — and the confidence to use it — stays with you when we leave.
The operating model
We organise delivery into small, senior squads — each owning the Domain Building Blocks it ships, grouped into SAFe value streams — then reshape the wider bank around them, from risk and finance to regulatory affairs. An opinionated model on proven frameworks (BIAN, SAFe, TOGAF, SFIA). Roles are defined against SFIA — built by a SFIA 10 contributor.
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.
Three propositions — Family Wealth, International Student and Premium Yacht — 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
A people and technology leader with 30+ years in financial services and FinTech. Today, building agentic product squads and production AI platforms for organisations that handle sensitive, regulated data.
Director of Engineering, Metro Bank — led a 1,600+ FTE function through digital transformation with Agile/SAFe value-stream teams. CTO, Orwell Group — the first UK payments system (Faster Payments, CHAPS, SWIFT, SEPA) and distributed ledger certified for cloud by regulators in the UK and France (FCA/ACPR), winner of the 2018 FIA Award.
Chief Architect, New Payments Architecture (PSR). Head of Regulatory Architecture, Lloyds Banking Group — technology sponsor for PSD1, PSD2, 5AMLD, GDPR, CRS, CASS, payM, IT resilience and cyber defence. CTO, Travelex. Chief Architect (ETC), JPMorgan. Currently 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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