{"id":78966,"date":"2025-03-04T12:52:26","date_gmt":"2025-03-04T12:52:26","guid":{"rendered":"https:\/\/silverfin.com\/?p=78966"},"modified":"2026-02-16T12:35:06","modified_gmt":"2026-02-16T12:35:06","slug":"ep-2-the-secret-to-building-banks-that-wont-break-jason-maude-starling-bank","status":"publish","type":"post","link":"https:\/\/silverfin.com\/en-gb\/resources\/ep-2-the-secret-to-building-banks-that-wont-break-jason-maude-starling-bank\/","title":{"rendered":"EP 2 &#8211; The secret to building banks that won&#8217;t break | Jason Maude, Starling Bank"},"content":{"rendered":"\n<p>In episode two of the <em>Silver Linings <\/em>podcast, <strong>Jason Maude<\/strong>, Chief Technology Advocate at Starling Bank, explains how AI is a practical tool, much like a screwdriver, in reshaping the financial world. He shares how Starling uses technology to innovate, manage risks and challenge traditional banking models.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-27b7af1e wp-block-group-is-layout-constrained\" style=\"padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-columns are-vertically-aligned-top is-not-stacked-on-mobile pd-btn-wrap is-layout-flex wp-container-core-columns-is-layout-f5f7395f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:200px\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-container-core-column-is-layout-b2a27621 wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;flex-basis:200px\">\n<div class=\"hs-cta-embed hs-cta-simple-placeholder hs-cta-embed-186343729552\"\r\nstyle=\"max-width:100%; max-height:auto !important; width:100%;height:50px !important\" data-hubspot-wrapper-cta-id=\"186343729552\">\r\n<a href=\"https:\/\/cta-service-cms2.hubspot.com\/web-interactives\/public\/v1\/track\/redirect?encryptedPayload=AVxigLJ2GO6l5UfaIp9q%2B1LEWW5pvWmx37Tr8kz9VXh6jWJ4ax%2B1PNs3qwt%2FIYn5kBjgJ0m5vPdkGk%2BUw9W%2FHBPtv1DmHwK%2Fniw%2FEvuFifHhJQrXuC5rQ3gBVYDslR1Jg9aQdpzkPMjPi8KZ4NWpKIRyBiuT1G3rn0BJhJZUWSHUBTHQeRdOjTLguaAjisq5VFZ%2BCmBlbHtmW7b7BX15DQi4Seo9MU36PWjbibb%2FuHGzd8gfIqQewniJr34JcPM7Ic8e24SBBIgwGhf3%2BO6PVcLMOHsB%2FTrqQtUWDlZ1tRSTGBZn1TPIWVgTNheXhGh%2B8PmaTnNTofZdX3ghxneXh%2Fcx7jE%3D&#038;webInteractiveContentId=186343729552&#038;portalId=2270223\" target=\"_blank\" rel=\"noopener\" crossorigin=\"anonymous\">\r\n<img decoding=\"async\" alt=\"YouTube podcast\" loading=\"lazy\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2270223\/interactive-186343729552.png\" style=\"height: 50px; width: 100%; object-fit: contain !important;\"\r\nonerror=\"this.style.display='none'\" \/>\r\n<\/a>\r\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-bottom:0;flex-basis:200px\">\n<div class=\"hs-cta-embed hs-cta-simple-placeholder hs-cta-embed-186336976450\"\r\nstyle=\"max-width:100%; max-height:auto !important; width:100%;height:50px !important\" data-hubspot-wrapper-cta-id=\"186336976450\">\r\n<a href=\"https:\/\/cta-service-cms2.hubspot.com\/web-interactives\/public\/v1\/track\/redirect?encryptedPayload=AVxigLKTVus8IAyXd67MqB5vD%2Fxpg53jxb2kHxC0JgMg3mEH%2F7qOk9hUXrLbiTSHIkHNyycAaNFwxXSe6zBSh8ZjWWeF0rA8H1noGKxeLt2miYL8iVQonMNqFl6ox6n12lZK1z%2F1Za6cy%2B%2Fi808VCzIUSjYRLnqsmOltj424z90jHyxkgYz%2B0VT2e7Hlm1KLBBkm2jc%2BXwEZYkKWu52wz04MmGq03JsokiLpY1QjivPhCWC%2BQCDya887mz%2Fm%2BOcjjtQBvBAsNUn9vmSfhxpZ2cRgV6PqlW19fMABG%2BQ%2BXyDsAhfP9EQqOedg%2BE55nEOn&#038;webInteractiveContentId=186336976450&#038;portalId=2270223\" target=\"_blank\" rel=\"noopener\" crossorigin=\"anonymous\">\r\n<img decoding=\"async\" alt=\"spotify-podcast-button\" loading=\"lazy\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2270223\/interactive-186336976450.png\" style=\"height: 50px; width: 100%; object-fit: contain !important;\"\r\nonerror=\"this.style.display='none'\" \/>\r\n<\/a>\r\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-constrained wp-block-column-is-layout-constrained\" style=\"padding-top:0;padding-bottom:0;flex-basis:200px\">\n<div class=\"hs-cta-embed hs-cta-simple-placeholder hs-cta-embed-186343729702\"\r\nstyle=\"max-width:100%; max-height:auto !important; width:100%;height:50px !important\" data-hubspot-wrapper-cta-id=\"186343729702\">\r\n<a href=\"https:\/\/cta-service-cms2.hubspot.com\/web-interactives\/public\/v1\/track\/redirect?encryptedPayload=AVxigLK9fC6vgdEzbmrTFBHFdtaUu3hDmX3bYKIZT2CJTKV%2BbESDM5efvm2asXULn6yIibGHk03opZKDD7WCoKAMd%2B3r0EV1MGBP25lXZiWqvUCNEB%2FLbA4vPXJ8qeQVJYrACU36iJ5zGmxndT66jkSn8gMmkBxvgNdaVuxsqvKvPpmc04tA72bTc%2F47yPsNpypKzWpHEpdU27G8%2B11m5EPSBo9E0fnWbrtdLEg9%2FM58D8FLSaCAiEwwI4f6ly5hKe9JeoZOHTVZE2nCQPsy%2BTM804vYc4OsUpxUOvxQ6NbA2giQnWzxyJRF224Dmtki3plag3A5QCwooDa3P6TY%2Bq7NvQaA&#038;webInteractiveContentId=186343729702&#038;portalId=2270223\" target=\"_blank\" rel=\"noopener\" crossorigin=\"anonymous\">\r\n<img decoding=\"async\" alt=\"Apple_Podcasts\" loading=\"lazy\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2270223\/interactive-186343729702.png\" style=\"height: 50px; width: 100%; object-fit: contain !important;\"\r\nonerror=\"this.style.display='none'\" \/>\r\n<\/a>\r\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-read-the-blog-to-unlock-the-key-takeaways-from-jason-s-conversation\"><a href=\"https:\/\/silverfin.com\/en-gb\/resources\/jason-maude-starling-bank-insights\/\">Read the blog to unlock the key takeaways from Jason&#8217;s conversation<\/a><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-embed aligncenter is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"EP 2 | The secret to building banks that won&#039;t break | Jason Maude, Starling Bank\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/1BD_7h1ktXI?list=PLEt3jXvraUOSJdq73-UHzMyIUQLV7nfI1\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transcript\">Transcript<\/h2>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\"><summary><strong>Guest Introduction<\/strong>: Hi, my name is Jason Maude, and I am the Chief Technology Advocate at Starling Bank.<br>I joined Starling Bank about eight years ago as a senior engineer, helping create some of the initial systems and writing software for the core banking platform. Over time, I transitioned into my current role, where I talk about Starling Bank\u2019s technology, our journey, and where we\u2019re headed\u2014why we do what we do and how we\u2019ve managed to grow the bank so quickly.<br><\/summary>\n<p><strong>What Makes Starling Bank Different?<\/strong><\/p>\n\n\n\n<p><strong>Phil Hobden:<\/strong> Jason, welcome to the podcast!<\/p>\n\n\n\n<p>I guess my first question has nothing to do with AI. I just want to talk about Starling for a moment because it\u2019s such a fascinating example of a bank and a business in the UK.<\/p>\n\n\n\n<p>I\u2019ve worked in financial services, particularly in legacy banking. What has Starling done differently from all the traditional banks, especially from a technology perspective?<\/p>\n\n\n\n<p><strong>Jason Maude:<\/strong> Sure! From a technology perspective, what we\u2019ve done differently is take a look at <strong>best-in-class<\/strong> technology practices\u2014not just from the financial sector, but from the world in general.<\/p>\n\n\n\n<p>We asked: <em>How do people create software quickly while keeping it reliable?<\/em> Because, as a bank, reliability is critical.<\/p>\n\n\n\n<p>One of the key principles we realized in software development\u2014and this applies especially to risk management in banking\u2014is that the best way to minimize risk isn\u2019t to release new code every three or six months. Instead, the best approach is <strong>to release small, frequent updates all the time.<\/strong><\/p>\n\n\n\n<p>At Starling Bank, we release dozens of software updates <strong>every day<\/strong>. We are constantly changing and improving our systems.<\/p>\n\n\n\n<p>You might think, <em>Doesn\u2019t that increase the chance of something going wrong?<\/em> The answer is <strong>yes, but<\/strong>\u2014when something does go wrong, the impact is minimal.<\/p>\n\n\n\n<p>It\u2019s much easier to maintain a <strong>stable and reliable system<\/strong> when you\u2019re dealing with <strong>small, manageable issues<\/strong> rather than one <strong>massive<\/strong> system-wide failure every few months. The latter is far harder to prevent and control.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Dangers of Large-Scale System Failures<\/strong><\/h3>\n\n\n\n<p><strong>Phil Hobden:<\/strong> Yeah, and we\u2019ve seen that before, right? A few years ago, one of the high street banks released a software update that <strong>completely crashed all their ATMs.<\/strong> People couldn\u2019t withdraw cash, transactions weren\u2019t going through\u2014it was chaos.<\/p>\n\n\n\n<p>On the scale of &#8220;worst things that can happen to a bank,&#8221; that has to be right up there.<\/p>\n\n\n\n<p><strong>Jason Maude:<\/strong> Exactly. One of the most telling things that came out of one of these major IT disasters\u2014it may not have been the one you mentioned, but a similar one\u2014was that, just days before the failure, someone involved in the project <strong>boasted<\/strong> about how they were about to release <em>2,500 man-years<\/em> worth of work.<\/p>\n\n\n\n<p>If I had heard that as an engineer, I would have been on the first plane <strong>out of the country<\/strong> before the fallout hit! That is an incredibly dangerous approach.<\/p>\n\n\n\n<p>Releasing such a <strong>massive<\/strong> amount of code at once is risky for multiple reasons.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First, you have <strong>sheer volume<\/strong>\u2014thousands of changes happening at the same time, any of which could cause issues.<\/li>\n\n\n\n<li>Second, you risk <strong>conflicting changes<\/strong>\u2014two separate updates might work fine on their own but break when combined.<\/li>\n<\/ul>\n\n\n\n<p>The bigger the release, the <strong>harder it is to test<\/strong> every possible scenario where things could go wrong.<\/p>\n\n\n\n<p>This is why <strong>big releases are a problem.<\/strong> Doing lots of <strong>small, incremental updates<\/strong> is a much safer approach\u2014it keeps the risk profile under control.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Hidden Complexity of Banking Systems<\/strong><\/h3>\n\n\n\n<p><strong>Phil Hobden:<\/strong> Yeah, it\u2019s such an interesting way of looking at it. And you\u2019re completely right.<\/p>\n\n\n\n<p>I once worked at a bank where we tried to <strong>remove a single legacy system<\/strong>\u2014but we didn\u2019t realize just <strong>how many other systems depended on it.<\/strong><\/p>\n\n\n\n<p>When we took it out, everything that relied on it <strong>collapsed.<\/strong> We had no idea how deeply intertwined everything was until it was too late. It was one of those <strong>\u201cOh, damn\u201d<\/strong> moments.<\/p>\n\n\n\n<p>Of course, another thing that makes Starling interesting\u2014and we\u2019ll move on to AI in banking soon, but I really want to explore this\u2014is that <strong>you built your banking platform from scratch.<\/strong><\/p>\n\n\n\n<p>Not only that, but you built it as a <strong>platform that could be white-labeled and repackaged for different territories and countries, adapting to different regulations.<\/strong><\/p>\n\n\n\n<p>That\u2019s a really innovative approach to banking. What was the thought process behind that?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Building a Bank from Scratch &amp; White-Labeling<\/strong><\/h3>\n\n\n\n<p><strong>Jason Maude:<\/strong> Yeah, absolutely. It was an <strong>evolving process.<\/strong><\/p>\n\n\n\n<p>We didn\u2019t start out thinking about <strong>world domination.<\/strong> Our initial goal was simple: <em>Let\u2019s make banking better in the UK.<\/em><\/p>\n\n\n\n<p>To do that, we needed to <strong>build our own banking platform<\/strong>\u2014one that would give us the <strong>flexibility<\/strong> to innovate.<\/p>\n\n\n\n<p>A lot of the major changes that Starling has helped drive in the banking industry <strong>wouldn\u2019t have been possible<\/strong> if we were relying on someone else\u2019s platform.<\/p>\n\n\n\n<p>Why? Because when you use someone else\u2019s system, <strong>you\u2019re limited by their rules and constraints.<\/strong><\/p>\n\n\n\n<p>Before digital banks like Starling came along, the idea of giving customers more <strong>control and insights<\/strong> into their finances simply <strong>wasn\u2019t a thing.<\/strong><\/p>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Freezing your card instead of canceling it.<\/li>\n\n\n\n<li>Dividing your account into <strong>separate pots<\/strong> for budgeting.<\/li>\n\n\n\n<li>Real-time spending notifications and insights.<\/li>\n<\/ul>\n\n\n\n<p>These features\u2014now <strong>copied<\/strong> by high street banks\u2014weren\u2019t available before.<\/p>\n\n\n\n<p>If we had built Starling using someone else\u2019s <strong>legacy banking platform<\/strong>, we wouldn\u2019t have been able to develop these features as quickly\u2014or at all. We needed to <strong>own our technology.<\/strong><\/p>\n\n\n\n<p>Once we built it, we thought: <em>Wouldn\u2019t other banks also benefit from this?<\/em><\/p>\n\n\n\n<p>That\u2019s where <strong>Engine<\/strong> comes in\u2014our white-label banking platform. We\u2019ve now started <strong>offering it to other financial institutions<\/strong> who need a modern, flexible banking system.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Expanding into Other Markets Without the Red Tape<\/strong><\/h3>\n\n\n\n<p><strong>Phil Hobden:<\/strong> And in a way, that\u2019s a really smart strategy.<\/p>\n\n\n\n<p>Expanding into <strong>different countries<\/strong> comes with <strong>huge regulatory challenges.<\/strong><\/p>\n\n\n\n<p>We\u2019ve seen banks like <strong>Revolut<\/strong> struggle for years to get banking licenses in different countries. You can\u2019t just say, <em>&#8220;Let\u2019s launch a bank in Portugal!&#8221;<\/em> It\u2019s incredibly complex.<\/p>\n\n\n\n<p>You need to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Understand <strong>local regulations<\/strong><\/li>\n\n\n\n<li>Work with <strong>local regulators<\/strong><\/li>\n\n\n\n<li>Build <strong>trust<\/strong> within that market<\/li>\n<\/ul>\n\n\n\n<p>That\u2019s why the approach of <strong>selling your platform to local institutions<\/strong> makes so much sense. They already have <strong>regulatory approval<\/strong>, so you get the <strong>benefits of scaling globally<\/strong> without the nightmare of securing licenses everywhere.<\/p>\n\n\n\n<p>And let\u2019s be honest\u2014<strong>dealing with regulators<\/strong> is never the fun part of launching a business!<\/p>\n\n\n\n<p><strong>Jason Maude:<\/strong> Yeah, exactly.<\/p>\n\n\n\n<p>Navigating regulations is <strong>always a challenge<\/strong>, but it\u2019s necessary.<\/p>\n\n\n\n<p>By partnering with existing banks that already <strong>understand their local regulations<\/strong>, we can <strong>provide the technology<\/strong> while they handle the <strong>compliance side of things.<\/strong><\/p>\n\n\n\n<p>At the end of the day, the <strong>fundamental needs of banks<\/strong> are the same across different countries:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They need a <strong>resilient, reliable<\/strong> banking platform.<\/li>\n\n\n\n<li>They need a system that <strong>never misses a payment.<\/strong><\/li>\n\n\n\n<li>They need a system that can <strong>recover quickly from failures.<\/strong><\/li>\n<\/ul>\n\n\n\n<p>That\u2019s what we provide.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Pragmatism &amp; AI in Banking<\/strong><\/h3>\n\n\n\n<p><strong>Phil Hobden:<\/strong> And I guess that pragmatism brings us to AI. How does that same approach factor into how Starling looks at AI in banking?<\/p>\n\n\n\n<p>What role is AI playing in Starling\u2019s journey today, and how do you see it evolving moving forward?<\/p>\n\n\n\n<p><strong>Jason Maude:<\/strong> Absolutely. AI is a fascinating tool with many different applications.<\/p>\n\n\n\n<p>But I use the word <em>tool<\/em> deliberately. We need to constantly remind ourselves that AI isn\u2019t magic\u2014it\u2019s a tool, just like any other. It\u2019s a complex tool, a difficult tool, more like an <strong>industrial lathe<\/strong> than a hammer, but a tool nonetheless.<\/p>\n\n\n\n<p>To get value from AI, you need to focus on solving <strong>real<\/strong> problems rather than simply adopting it for the sake of it. Instead of asking, <em>How do we use AI?<\/em>, the real question should be, <em>What problem are we trying to solve, and is AI the right tool for it?<\/em><\/p>\n\n\n\n<p>And in many cases, the answer is <strong>no<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Reality of AI Adoption in Business<\/strong><\/h3>\n\n\n\n<p><strong>Phil Hobden:<\/strong> Yeah, I think that&#8217;s an important perspective. AI isn\u2019t a magic fix for every business challenge.<\/p>\n\n\n\n<p>In accounting, for example, firms are excited about AI, but many are still using <strong>legacy desktop software<\/strong> with <strong>on-premise servers<\/strong>. AI isn\u2019t going to help much in those cases, because the <strong>foundations<\/strong> aren\u2019t there for it to work effectively.<\/p>\n\n\n\n<p>I guess when people think about AI in financial services, their first concern is usually <strong>risk<\/strong>.<\/p>\n\n\n\n<p>Let\u2019s be honest\u2014historically, financial services in the UK haven\u2019t always covered themselves in glory, especially when you think about the <strong>2008 financial crisis<\/strong>.<\/p>\n\n\n\n<p>Even today, there\u2019s still a lot of <strong>skepticism<\/strong> about how financial services operate. So, when it comes to AI, what safeguards and parameters need to be in place to ensure it\u2019s used responsibly?<\/p>\n\n\n\n<p>And do you think safeguards are even necessary?<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Importance of AI Safeguards in Financial Services<\/strong><\/h3>\n\n\n\n<p><strong>Jason Maude:<\/strong> Undoubtedly.<\/p>\n\n\n\n<p>Any <strong>powerful<\/strong> tool requires safeguards to ensure it\u2019s used <strong>responsibly<\/strong>\u2014and AI is no exception.<\/p>\n\n\n\n<p>Many of the safeguards needed for AI are actually <strong>the same ones<\/strong> we already use for software in general.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You need to know <strong>what\u2019s being released, when it\u2019s being changed, and why<\/strong><\/li>\n\n\n\n<li>You need proper <strong>review processes<\/strong><\/li>\n\n\n\n<li>You need to ensure your <strong>data is high quality<\/strong> and meets <strong>GDPR and other regulatory standards<\/strong><\/li>\n<\/ul>\n\n\n\n<p>All of these <strong>good software development practices<\/strong> must also apply to AI.<\/p>\n\n\n\n<p>But here\u2019s the thing\u2026 That alone will only get you <strong>most<\/strong> of the way there.<\/p>\n\n\n\n<p>So, what else is needed to ensure AI is truly <strong>safe and reliable<\/strong> in financial services?<\/p>\n\n\n\n<p>Tune in to find out.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>AI at Starling Bank: Where It\u2019s Actually Used<\/strong><\/h3>\n\n\n\n<p><strong>Phil Hobden:<\/strong> That\u2019s really interesting. So, let\u2019s talk about AI at Starling.<\/p>\n\n\n\n<p>What are some of the areas where AI is actually being implemented? I think most people assume customer service and chatbots are the first places where banks would use AI\u2014has Starling explored that?<\/p>\n\n\n\n<p><strong>Jason Maude:<\/strong> Actually, no.<\/p>\n\n\n\n<p>I think that\u2019s a <strong>false assumption<\/strong> that many businesses are making. AI isn\u2019t always the right tool for customer interactions.<\/p>\n\n\n\n<p>At Starling, we\u2019ve chosen to keep <strong>human<\/strong> customer service at the heart of our operations. That\u2019s why we have a <strong>24\/7 call centre staffed by real people<\/strong>\u2014so that when customers need support, they can talk to someone who understands their concerns and can help efficiently.<\/p>\n\n\n\n<p>Instead of focusing on AI for <strong>customer support<\/strong>, we see bigger opportunities in areas where AI can <strong>enhance<\/strong> our systems rather than replace human interaction.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Real AI Challenges: Data and Fragmentation<\/strong><\/h3>\n\n\n\n<p><strong>Phil Hobden:<\/strong> That makes a lot of sense.<\/p>\n\n\n\n<p>One of the big challenges we see in accounting is <strong>data fragmentation<\/strong>\u2014multiple disconnected systems that don\u2019t talk to each other.<\/p>\n\n\n\n<p>How critical is <strong>data standardization<\/strong> when it comes to AI adoption in financial services?<\/p>\n\n\n\n<p><strong>Jason Maude:<\/strong> I\u2019d say it\u2019s <strong>critical<\/strong>, but I\u2019d go further than that\u2014it\u2019s critical <strong>even if you\u2019re not using AI<\/strong>.<\/p>\n\n\n\n<p>The financial industry has <strong>major issues<\/strong> with data fragmentation. Many traditional banks have <strong>disconnected systems<\/strong> due to mergers, acquisitions, or legacy technology. This creates a situation where:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The same customer might be stored in <strong>multiple systems<\/strong><\/li>\n\n\n\n<li>Different databases might contain <strong>conflicting<\/strong> customer data<\/li>\n\n\n\n<li>Banks aren\u2019t always sure which system holds the <strong>most accurate<\/strong> information<\/li>\n<\/ul>\n\n\n\n<p>At Starling, we don\u2019t have this problem because we built our platform from <strong>scratch<\/strong>. Our system ensures data is <strong>consistent, easily transferable<\/strong>, and there\u2019s always a <strong>golden source<\/strong> of truth.<\/p>\n\n\n\n<p>If a bank wants to implement AI <strong>without<\/strong> solving its data issues first, it\u2019s going to be a nightmare. AI models need <strong>clean, structured data<\/strong>, or they\u2019ll generate unreliable outputs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>AI: A Useful Tool, Not a Magic Fix<\/strong><\/h3>\n\n\n\n<p><strong>Phil Hobden:<\/strong> I think what I\u2019m taking away from this conversation is that for Starling, AI is a <strong>tool<\/strong> to enhance banking, but it\u2019s <strong>not the driving force<\/strong> behind everything you do.<\/p>\n\n\n\n<p><strong>Jason Maude:<\/strong> Exactly.<\/p>\n\n\n\n<p>We\u2019re not an <strong>AI company<\/strong>\u2014we\u2019re a bank. We use AI <strong>where it makes sense<\/strong>, just like we use any other technology.<\/p>\n\n\n\n<p>Some businesses position themselves as <strong>AI-first<\/strong>, but I\u2019d be cautious about that. In many cases, AI is <strong>just one part<\/strong> of a much bigger system. <strong>If a bank\u2019s entire identity is built around AI, that might mean their core systems aren\u2019t as strong as they should be.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Will AI Transform Banking More Than Open Banking?<\/strong><\/h3>\n\n\n\n<p><strong>Phil Hobden:<\/strong> Would you say AI will be more significant in financial services than <strong>open banking<\/strong>?<\/p>\n\n\n\n<p><strong>Jason Maude:<\/strong> AI will definitely have a <strong>big impact<\/strong>, but I wouldn\u2019t say it\u2019s transformational in the way some people expect.<\/p>\n\n\n\n<p>AI is <strong>evolutionary<\/strong> rather than <strong>revolutionary<\/strong>. It will help banks <strong>improve efficiencies, detect fraud, enhance customer experiences, and develop smarter risk models<\/strong>. But it\u2019s not going to <strong>completely redefine banking overnight<\/strong>.<\/p>\n\n\n\n<p>Open banking had the potential to be <strong>more disruptive<\/strong>, but it hasn\u2019t fully delivered on its promise yet. Initially, it was meant to <strong>increase competition<\/strong> by reducing the market share of major banks, but that hasn\u2019t really happened. Now, it\u2019s shifting toward becoming a <strong>new payment rail<\/strong>, but there are still big challenges\u2014like fraud protection and compliance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Future of AI in Financial Services<\/strong><\/h3>\n\n\n\n<p><strong>Phil Hobden:<\/strong> Alright, final question\u2014get your crystal ball out. What do you see as the long-term trends for AI in financial services?<\/p>\n\n\n\n<p><strong>Jason Maude:<\/strong> As the saying goes, <em>predictions are difficult, especially about the future<\/em>.<\/p>\n\n\n\n<p>That being said, AI will continue to <strong>evolve<\/strong> and be used across banking in <strong>fraud detection, automation, credit risk modelling, and operational efficiencies<\/strong>.<\/p>\n\n\n\n<p>For some banks, AI will be built <strong>in-house<\/strong>, but for most, it will be provided by <strong>specialist technology vendors<\/strong>. AI will become a <strong>standard tool<\/strong>, just like cloud computing and automation have.<\/p>\n\n\n\n<p>But ultimately, AI will not <strong>replace<\/strong> traditional banking\u2014it will simply be <strong>another tool in the toolbox<\/strong>.<\/p>\n\n\n\n<p><strong>Phil Hobden:<\/strong> Jason, this has been a fascinating conversation. Thank you so much for your time.<strong>Jason Maude:<\/strong> Thank you for having me.<\/p>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In episode two of the Silver Linings podcast, Jason Maude, Chief Technology Advocate at Starling Bank, explains how AI is a practical tool, much like a screwdriver, in reshaping the financial world. [&hellip;]<\/p>\n","protected":false},"author":94,"featured_media":78967,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[462,767],"tags":[],"class_list":["post-78966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en-gb","category-podcast-en-gb"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Building Banks That Won\u2019t Break \u2013 Starling Bank Insights | Silverfin IE<\/title>\n<meta name=\"description\" content=\"Discover how Starling Bank leverages AI and technology to innovate and manage risk, with insights for Ireland. 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