#88: AI Risk in Banking — Why Scaling AI Is Harder Than Building It

#89: The Rise of the AI Engineer — Are Coders Becoming Directors?

AI agents are now writing, testing, and deploying code autonomously — and the ripple effects on the software engineering profession are profound. In this solo episode, The Change Dude digs into the data behind the shift: 92.6% of developers using AI tools, 41% of code now AI-assisted, and autonomous agents resolving over 80% of real-world GitHub issues without human intervention. But the deeper story isn't about AI replacing developers — it's about the emergence of a new kind of engineer: one who thinks less like a coder and more like a director. Packed with research from Stack Overflow, McKinsey, Gartner, Anthropic, and more, this episode is essential listening for developers, engineering leaders, and anyone building a team in 2026. --- Powered by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠OKOfy.com — Empowering SMEs across UK and Europe with Digital Transformation & AI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.okofy.com] --- Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

#88: AI Risk in Banking — Why Scaling AI Is Harder Than Building It

AI isn’t the hard part anymore—governing it is. In this episode, Saeed Rafay breaks down why banks and fintechs are struggling to scale AI despite massive investments. From model risk and regulatory pressure to agentic AI and model drift, we explore the real challenges that start after the model is built. If you think AI success is about better tech, think again. The real competitive edge in 2026 and beyond will come from mastering AI risk, governance, and trust. --- Powered by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠OKOfy.com — Empowering SMEs across UK and Europe with Digital Transformation & AI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.okofy.com] --- Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

#87: AI Fraud in Banking

AI is transforming banking—but it’s also supercharging fraud, deepfakes, and autonomous financial risks. In this episode, I break down how criminals are using AI just as fast as banks, why “agentic AI” changes everything, and what it really means for trust, regulation, and accountability in finance. If you think AI is just about efficiency, this episode will challenge that perspective. --- Powered by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠OKOfy.com — Empowering SMEs across UK and Europe with Digital Transformation & AI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.okofy.com] --- Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

#86: AI Data Risk in Banking

AI in banking isn’t failing because of weak models—it’s failing because of messy data, fragile governance, and rising privacy risks. In this episode, I break down why data quality, security, and compliance are becoming the real battlegrounds for banks and fintechs in the age of AI. If you want to understand what truly separates scalable AI from risky experiments in finance, this is the conversation you can’t afford to miss. --- Powered by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠OKOfy.com — Empowering SMEs across UK and Europe with Digital Transformation & AI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.okofy.com] --- Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.

#85: Explainable AI for Banks

In Episode 85 of The Change Dude, Saeed Rafay explores one of the most critical challenges facing banks and fintechs in the age of AI: explainability. As regulators tighten oversight and AI models increasingly influence decisions like loans, fraud detection, and financial advice, institutions must be able to clearly explain how and why algorithms make decisions. This episode breaks down the regulatory pressure, the risks of “black box” models, and the practical strategies banks can use to build trustworthy, auditable AI systems—covering model governance, decision traceability, and the future impact of agentic AI on financial accountability. --- Powered by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠OKOfy.com — Empowering SMEs across UK and Europe with Digital Transformation & AI⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ [https://www.okofy.com] --- Disclaimer: The views, thoughts, and opinions expressed in this podcast are solely those of the host and guests and do not necessarily reflect the views or positions of any organizations or employers mentioned. The content is for informational purposes only and should not be considered professional or legal advice.