Banking Technology Whitepapers & Research
In-depth research and practical frameworks covering composable banking architecture, AI, payments, RegTech, Open Banking, lending and fintech modernization.
Banking technology decisions deserve more than marketing claims. Sanson's research program is being built to cover the architecture, AI, payments, compliance and credit models shaping modern financial infrastructure — grounded in named authorship, sources and methodology.
Composable banking architecture is a design approach where banking capabilities — such as payments, lending or compliance — are built as independent, interchangeable modules connected through APIs. This lets financial institutions modernize individual capabilities over time, rather than replacing their entire technology stack in a single project.
Featured Research
Featured publication — content required
Sanson's first featured research publication will appear here once methodology, authorship and sources have been finalized and reviewed.
Research in Development
Five research areas Sanson's program is building toward, each planned around the topics below.
The Composable Banking Blueprint
A practical framework for composable architecture, modularization, APIs, integration and governance.
AI in Financial Services
Research on AI governance, AI-enabled RegTech, fraud detection and intelligent operations.
Embedded Finance
Research on BaaS, API connectivity, partner ecosystems and embedded finance revenue models.
Real-Time Payments
Research on payment architecture, connectivity, operations and risk for real-time rails.
Alternative Credit Scoring
Research on alternative data, credit models, risk and regulatory considerations.
Publication Standards
Every Sanson whitepaper will identify the following before it is published.
- Named author(s)[REQUIRES VERIFIED INFORMATION]
- Editorial reviewer[REQUIRES VERIFIED INFORMATION]
- Research methodology[REQUIRES VERIFIED INFORMATION]
- Sources & references[REQUIRES VERIFIED INFORMATION]
- Publication & last-updated date[REQUIRES VERIFIED INFORMATION]
- Relevant expertise / credentials[REQUIRES VERIFIED INFORMATION]
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