Owned Autonomy
A governed proposition can be demonstrated in days. The hard part is the controls, the evidence, and the board conviction to put an agent in front of customers and charge for it. We make agentic banking bankable — in production, accountable, and owned by you. And we do it to one rule: build the future of finance, leave no customer behind.
Most banks have a Centre of Excellence and a stack of pilots that never moved the numbers. A pilot reaches production only by clearing three gates a bank can't ship past. We make agentic AI bankable on all three.
Consistency is more than a prompt repeating an output. It comes from C3's Context plane: the governed context and specification the prototype builds, with the constraints made explicit, so the same input gives the same defensible result. That is Cognitive Intelligence.
Compliance, Legal, Audit and Security can't sign off a black box. C3's Consent plane records the authority, consent and evidence for every action, audited 100%, not a 5% sample. That is Control Intelligence.
Hallucination and planning drift are uninsurable. Under C3's Consent plane an agent prepares and proposes, a human authorises material action, steps are revocable and drift is detected, with failure caught on synthetic data first. That is Cognitive and Control Intelligence.
We help banks build the future of finance without leaving the customer behind.
Agents are crossing from advice to action, and money is starting to move in new ways. A bank can only embrace that if it stays accountable for every action and sovereign over what it runs on. You cannot be accountable for what you do not control. You already let spreadsheets and macros run your business unseen — an agent built this way is more auditable than the work it replaces, not less. We call that destination Owned Autonomy, and it is a doctrine we build toward, not the whole story.
Three themes run across everything we do.
Retain knowledge, evidence, capability and institutional memory.
Operate old and new worlds together and migrate safely.
Enable humans and machines to think and act together.
Lenses across the work, not folders. A piece of work can sit under several at once. Follow a lens to go deeper.
An Experience Journey is the end-to-end human application that cuts across the Intelligences. We design them, prove them on the demonstration with test consumers, and evidence the outcomes before a bank commits to build. Each one shows an agent preparing and proposing, a human authorising material action, and the evidence recorded at every step.
Most banks choose a platform first and meet the hard parts later. We work the other way: define an independent target architecture and prove the primitives that usually fail before any platform is chosen, so the platform conforms to the architecture, not the reverse. The gap between a week-one demo and production-grade you can guarantee is the whole game, and it is where we start. Our reference architecture for governed human-machine action is Capability, Context and Consent (C3), with Domain Building Blocks beneath it. Because the work is expressed in open standards, ISO 20022, BIAN and recognised control frameworks, what we prove becomes a portable, vendor-neutral working specification you can build with any vendor.
Accountable Bank is our working proving ground: one governed, agent-native platform that runs several banking propositions, built to production-grade controls. We use it to test whether a proposition is likely to deliver good outcomes before a bank commits to build, and to produce the working specification that comes out the other side.
A demonstration on synthetic data, with test consumers, not a regulated bank. See how it works.
Explore the demonstrationStrategic advisory leads. Each route stands on its own, and not every client needs a full programme.
Founder-led discovery and an independent target architecture: the proposition, the operating model, the Intelligences it draws on, and the hard parts proven on the demonstration. This is senior advisory work that sets the direction before anyone builds.
Home of the six-week Proposition Blueprint and optional 90-day Proof.
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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 the demonstration. Every agent action authorised, evidenced and revocable, with on-device models where data must not leave the building.
Fixed-scope build (SOW), to the working specification.
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Buy delivery without buying a transformation. Senior agentic engineers embedded in your teams, or a complete managed squad, productive from week one and accountable for a defined outcome.
Embedded engineer, managed squad or fractional lead.
Book a strategy callTransform the bank without losing the bank. Done right, the people become a lever for growth, pointed at the propositions and markets they never had capacity to chase. And we will tell you when not to automate: a customer making a claim, or asking about their care, needs a person. Leaving no customer behind is a design rule, not a slogan.
Every change is judged by the outcome it creates for a real person.
Run the old and new worlds together and migrate safely. Do not rip and replace.
Build human and organisational capability first. Technology serves it.
Agents prepare and propose. An accountable human authorises material action.
Design and evidence good outcomes for customers from the start, not as a post-launch audit.
Retain knowledge, evidence and institutional memory before optimising.
Accountability and control are properties of the system, evidenced continuously.
Build on open standards so the work is portable and vendor-neutral.
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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