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The next stage of AI-assisted software delivery is not simply faster code generation, but governed, specification-driven development. Rather than relying on prompts alone, this approach gives AI clear business requirements and enterprise standards from the outset. In 𝗕𝗲𝘆𝗼𝗻𝗱 𝘃𝗶𝗯𝗲 𝗰𝗼𝗱𝗶𝗻𝗴: 𝘄𝗵𝘆 𝘀𝗽𝗲𝗰-𝗱𝗿𝗶𝘃𝗲𝗻 𝗱𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁 𝗶𝘀 𝘁𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗔𝗜 𝘀𝗼𝗳𝘁𝘄𝗮𝗿𝗲 𝗱𝗲𝗹𝗶𝘃𝗲𝗿𝘆, @Gerhardt Scriven explores how implementation contracts establish the foundation for repeatable, governed AI software delivery with greater control, compliance and efficiency. Read the full white paper to explore how enterprises can move beyond AI experimentation: https://www.capco.com/intelligence/capco-intelligence/beyond-vibe-coding-the-future-of-ai-software-delivery

Beyond vibe coding: why spec-driven development is the future of AI software delivery
"The firms that succeed will be those that treat regulation as a catalyst for modernization." The UK wealth and advice industry is entering its most significant period of change since the Retail Distribution Review. With reforms including Targeted Support, Simplified Advice, Consumer Duty and COBS changes reshaping the landscape, firms face a choice: respond to regulation by regulation, or use this moment to rethink their strategy, service models and client experience. @Graeme Devlin and @Sam Beeby, Managing Principals at Capco, explore why the current reform agenda should be viewed as a strategic opportunity and what firms can do now to build a future-ready advice model. Read the full article: https://www.capco.com/Intelligence/Capco-Intelligence/financial-advice-model-2027

Financial Advice Model 2027+: strategic modernisation for the UK wealth & advice industry
Compliance is entering a new era. As AI continues to evolve, firms have an opportunity to move beyond manual reviews and retrospective assessments toward a more intelligent approach to oversight. In 𝗧𝗿𝗮𝗻𝘀𝗳𝗼𝗿𝗺𝗶𝗻𝗴 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲: 𝗵𝗼𝘄 𝗔𝗜 𝗶𝘀 𝗿𝗲𝗱𝗲𝗳𝗶𝗻𝗶𝗻𝗴 𝗼𝘂𝘁𝗰𝗼𝗺𝗲𝘀 𝘁𝗲𝘀𝘁𝗶𝗻𝗴 𝗮𝗻𝗱 𝗮𝘀𝘀𝘂𝗿𝗮𝗻𝗰𝗲, Alina Shvartsman examines how AI is reshaping compliance and what that means for outcomes testing, assurance, and customer protection. Download the full article to discover what a more intelligent approach to oversight could look like for your organization: https://www.capco.com/Intelligence/Capco-Intelligence/how-ai-is-redefining-compliance-and-outcomes-testing

Transforming compliance: how AI is redefining outcomes testing and assurance
From non-profit beginnings to shaping GenAI projects at Capco, @Janee Jenkins’ journey is a story of curiosity, courage, and taking ownership. Janee’s biggest lesson? Don’t be afraid to speak up, stay curious, and take ownership of your development. At Capco, that mindset makes all the difference. ➡️Read the full article: https://www.capco.com/Careers/meet-our-people/janee-jenkins #MeetOurPeople #LifeAtCapco #BYAW #FindYourPlace

Janee: Lessons from a former 'worker bee'
Most commercial insurers are already investing in transformation. But many are still approaching it the wrong way. Treating it as: ➡️ A core system upgrade ➡️ An AI initiative ➡️ A distribution improvement program Instead of what it really is: A fundamental redesign of how the business operates. In our three-part series, we outline what this means in practice in the SME, mid-market and large corporate segments: ✅ Re-architecting the core for scalability and speed ✅ Industrializing ‘bionic underwriting’ ✅ Competing in platform-driven broker ecosystems Alongside seven executive-level imperatives to turn vision into performance. The next five years will not reward incremental change. They will reward those who transform with clarity and execution discipline. 🔗 Explore the full perspective: https://www.capco.com/intelligence/capco-intelligence/commercial-insurance-transformation Author: @Yannis Skiadas

Commercial insurance transformation: a five-year technology vision
What's next for Canada's digital asset market? As regulated institutions increase participation and market infrastructure evolves, the industry is shifting from experimentation to execution. Success in the next phase will depend on more than technology. Firms will need: • Scalable operating models • Strong risk and compliance capabilities • Integration with traditional financial ecosystems • Strategic technology decisions that support long-term growth Read our latest insight to explore the opportunities and challenges shaping the future of digital assets in Canada ➡️ https://www.capco.com/Intelligence/Capco-Intelligence/canada-digital-asset-market

Canada's digital asset market: The road to maturity
The greatest opportunities for AI integration are not always where you expect. While the conversation often focuses on productivity, significant benefits can also be delivered in operational areas such as risk, compliance and regulatory reporting. @Jamilia Parry shares her perspective on how AI is helping organizations strengthen oversight, navigate evolving requirements and unlock value across these critical functions. Discover how Capco AI Labs are helping organizations explore, test and scale AI solutions: https://www.capco.com/ai/capco-ai-labs

Capco AI Labs
As AI adoption accelerates across financial services, organizations face growing pressure to strengthen governance, transparency, and accountability. California’s Automated Decision-Making Technology (ADMT) regulations under the CPRA will introduce new requirements around consumer rights, risk assessments, and oversight, creating significant implications for financial institutions that rely on AI and automated decision-making. Capco's @Andy Soodek and @OneTrust's @Arshdeep Sood examine why financial institutions need to act now and outline practical steps organizations can take to build a scalable AI governance framework ahead of enforcement. Read the full article: https://www.capco.com/Intelligence/Capco-Intelligence/admt-and-cpra-why-fis-need-to-act-now-on-ai-governance

ADMT & CPRA: Why financial institutions need to act now on AI governance
Organizations are no longer asking whether AI can create value – the question is where to focus first. From unlocking value from data and rethinking compliance processes to exploring agentic capabilities, Capco AI Labs turn promising ideas into scalable solutions and measurable outcomes. Hear from Capco's Global Data & AI Lead, @Chris Probert, on how Capco AI Labs are helping organizations navigate the next phase of their AI transformation. Learn more: https://www.capco.com/ai/capco-ai-labs

Capco AI Labs
Digitale Assets gehören inzwischen zum Mainstream der Geldanlage – auch die Versicherungsbranche hat die Wachstumspotentiale erkannt. @Yannis Skiadas beleuchtet, wie digitale Assets zum neuen Markt für Insurance werden könnten. https://www.tippinpoint.ch/artikel/78800/bitcoins_versichern_lassen_welchen_schutz_versicherungen_bieten_-_und_wo_die_grenzen_liegen.html

Bitcoins versichern lassen? Welchen Schutz Versicherungen bieten - und wo die Grenzen liegen