Market Thesis
Analysis of the credit union technology market, competitive landscape, and where AI creates durable advantage.
November 17, 2025
The Agent Landscape: Everyone Has a Theory, Nobody Has the Answer — and That's the Point
An honest survey of the AI agent ecosystem in March 2026 — from Factory Missions to Interface AI to open-source frameworks. Who is building what, what actually works, and where credit unions should place their bets.
December 8, 2025
The 18-Month Window: Why Credit Union CEOs Who Wait Until 2028 Will Be Too Late
AI leaders in financial services are achieving 2x revenue growth while 47% of credit unions are still collecting information. The compounding advantage gap is widening every quarter — and the window to close it is shrinking.
December 18, 2025
The Company Context Layer: A Practitioner's Guide to Making AI Agents Actually Useful in Regulated Financial Services
28,014 evaluations across 14 search configurations revealed that hybrid search beats vector-only by 33.6% in regulated financial services. A technical deep dive into the knowledge infrastructure that makes AI agents actually useful.
December 22, 2025
Your Agents, Not Ours: Why the Credit Unions That Win Will Own Their Intelligence
The difference between AI that builds moats for you and AI that builds moats against you comes down to one question — who owns the institutional knowledge that accumulates? A framework for evaluating AI vendor lock-in risk.