nipundhiman

The SWIFT hybrid mandate lands in November 2026. Most UK payment teams know a migration is underway. Fewer know what a failed migration looks like from the inside — and almost none have tested against it. I have spent fifteen years working inside financial services technology teams, and in that time I have watched firms spend millions on technology migrations while investing almost nothing in testing what those migrations do to the systems on the other side. The ISO 20022 transition is the...

The most important question a Consumer Duty supervisor can ask, what it actually tests, and how UK FS technology leaders evidence the answer.

In 2026, the question is no longer whether AI belongs in your quality engineering function. It is whether you are using it deliberately — or whether it is using you. I have spent the last eighteen months watching UK financial services firms navigate the same transition in different ways. Some have made deliberate investments: they have assessed their readiness, chosen their tooling with intent, built governance frameworks, and can already show meaningful productivity and coverage gains....