Systems of Record to Systems of Judgment
Several years ago, I sat in a boardroom reviewing what was then the largest technology investment in the company’s history. A full-scale modernization of our core platform. The business case was disciplined and compelling: operational resilience, regulatory durability, scalability for growth, and long-term cost efficiency. The system of record that anchored the institution would be […]
The Governed Intelligence Overlay (GIO)
In the first installment of this series, I argued that enterprise architecture is undergoing a structural shift from systems of record to systems of judgment. Systems of record remain essential. They provide transactional integrity, regulatory defensibility, and operational stability. But they do not differentiate. Systems of judgment the AI-enabled decision systems that inform underwriting, fraud […]