Are Vibe-Coded Apps Leaking Your Data?
Anyone can build an app by lunch. Almost nobody can say where its customer data goes. That's a governance problem, not a people problem.
Tagged “decision-governance”.
Field notes on decision governance — who decided, on what basis, with what authority — for banks, credit unions, and the examiners who ask.
Decision Board, not ARB: IT Architecture for a SaaS-centric tech stack
Most of your tech stack is SaaS or COTS. Why IT Architecture should govern meaning, not code, and why a Decision Board beats an ARB in a SaaS-centric enterprise.
When Your Tools Start Deciding
MCP tools that orchestrate, sequence, or apply rules create a second place business logic lives. The two copies drift, because nothing forces them to agree.
The CIO Job at Credit Unions and Community Banks Changed. The Job Description Didn't.
Technology leadership at credit unions and community banks still runs a playbook from another decade. The gap isn't junior staff — it's at the top.
The Consensus Trap: When Total Agreement Ruins Financial Decision-Making
Why unanimous committee decisions breed blind spots in banks and credit unions — and how named ownership restores rigor to high-stakes calls.
Indecision Is the Most Dangerous Choice You Can Make
Stalled decisions aren't neutral. How hesitation ripples across examiners, boards, members, and teams — and what decisive institutions do differently.
Analytics Is Not a Decision
Executives are signing attestations their data infrastructure can't back up. The gap between reporting maturity and decision maturity is where exams go wrong.
The LOS Isn't the Problem
Loan origination systems record what happened. Performance lives downstream. The architectural gap between the two is where CFI lending governance breaks.
Data-Aware Is Not Data-Driven
Channel migration data at CFIs surfaces real signals — digital refugees, cooling relationships, cross-sell windows. Most institutions see them and act on none.
The Insight Graveyard
Credit union analytics investments are working. The insights they produce still die in quarterly meetings. Three accountability gaps explain why nothing changes.