Things I keep coming back to.

From substack.frontierfoundry.com.

AI in regulated industries — from the Frontier Foundry team. 3,000+ subscribers.

• April 15, 2026

  You Don't Need the GPUs They're Selling You ↗

  Open-source projects prove memory bandwidth, not compute, is AI's real bottleneck. The GPU spending spree may be the biggest misallocation in tech history.

• March 18, 2026

  The Role of AI in M&A Due Diligence ↗

  Why Security Matters More Than Ever

• March 11, 2026

  Build vs. Buy in the Age of AI: A CEO’s Perspective ↗

  An exploration of the Build vs. Buy debate, and a look into why custom-built, secure systems will always beat generic, off-the-shelf solutions.

• March 4, 2026

  AI Giants – Complete Series Directory ↗

  The complete directory for Frontier Foundry's "AI Giants" series, where we explore the successes and shortcomings of today's biggest AI companies.

• February 25, 2026

  The Legal AI Security Illusion: How Vendors Sell Contracts Instead of Protection ↗

  The fundamental technical risk nobody in the legal AI industry wants to talk about, and what law firms should be asking in 2026.

• February 18, 2026

  Software Will Be Free. So Why Are Banks and Hospitals Still Paying Like It's 1999? ↗

  Despite software development costs falling due to AI, the enterprise software market continues to profit from the systems they have created.

• February 11, 2026

  AI, Data, and Client Confidentiality: The Legal Industry’s Privacy Dilemma ↗

  The legal sector's demand for AI-powered tools tailored to their industry continues to grow, yet privacy and data security concerns slow adoption.

• February 4, 2026

  AI Giants Pt. 5: Microsoft's $80B Gamble ↗

  Microsoft has built the most comprehensive enterprise AI stack in the industry, but inconsistent adoption and mixed consumer reception may hold them back.

• January 28, 2026

  The Sorry State of BSA/AML Technologies for Community Banks ↗

  Community banks struggle to meet the strict expectations of regulators, but using right-sized, AI-powered AML/BSA tools, they can meet compliance requirements.

• January 21, 2026

  Emerging Technologies for Community Banks ↗

  The banking sector's current technological revolution presents community banks with great opportunities to build their competitive advantage and grow.

• January 14, 2026

  From Cloud to Edge: Why Financial Services Are Moving Toward On-Premise AI ↗

  The limitations of cloud-based solutions are causing financial institutions to turn to on-premise AI solutions for their efficiency, security, and adaptability.

• January 7, 2026

  AI Giants Pt. 4: Perplexity's $20B Bet Against the Media Industry ↗

  Perplexity's emergence in AI search is being threatened by an onslaught of lawsuits from publishers claiming the company illegally accessed their materials.

• December 17, 2025

  On-Chain Reconciliation for Tokenized Securities ↗

  The growing adoption rates of smart contracts by key financial institutions promises to streamline and transform traditional reconciliation workflows.

• December 10, 2025

  Protecting Sensitive Financial Data - The Case for Secured Non-Cloud AI Solutions ↗

  Non-cloud artificial intelligence can transform how the financial industry handles sensitive information, data privacy, and regulatory compliance.

• December 4, 2025

  AI Giants Pt. 3: OpenAI Sees Red ↗

  OpenAI issued an internal "code red" as competing models began gaining ground, revealing how perilous their market leading position truly is.

• November 26, 2025

  Part 3: AI-Powered Regime Detection: Optimizing Hedge Fund Strategies in Real Time ↗

  In an economy impacted by multiple regimes at once, hedge funds need privacy-preserving AI tools to help navigate complexity and find the best course of action.

• November 20, 2025

  AI Giants Pt. 2: How Google Fixed Gemini's Blurry Vision ↗

  A look into Google's history of AI development, Gemini's early struggles, and the 3.0 upgrade that made them one of the top competitors in the AI market.

• November 12, 2025

  Part 2: AI-Driven Adaptability: Optimizing Trader Behavior for Hedge Fund Success ↗

  In today's complex economy, AI-powered analytics paired with human expertise can help provide hedge funds with a new edge to find success.

• November 5, 2025

  AI Giants Pt. 1: Clouds and Consequences – When Claude Went Dark ↗

  Cloud AI systems are only as strong as their infrastructure. Explore how Claude's recent reliability crisis led to a rise in local model adoption.

• October 28, 2025

  Part 1: The Competitive Edge: How AI is Transforming Hedge Fund Portfolio Management ↗

  Hedge funds sit at a critical juncture where privacy-preserving AI systems are unlocking powerful applications that promise to change the future of investing.

The SCIF — George Mason NSI.

National-security commentary I contribute as a Visiting Fellow at the George Mason University National Security Institute.

• December 31, 2024

  The SCIF / GMU NSI

  NSI Experts Weigh In: The White House's 2025 National Security Strategy ↗

  My contribution: strategic technology — AI, biotech, quantum — is the fulcrum of American national power and has to be treated as a whole-of-nation industrial and security project.

• October 31, 2024

  The SCIF / GMU NSI

  NSI Experts in the News — All Things National Security ↗

  My three-outcomes analysis of where OpenAI ends up: dominant Big Tech player, acquisition target, or failure — and what each means for U.S. national security.

Op-eds & guest pieces.

• February 21, 2022

  Bloomberg Opinion

  I Quit as FDIC Innovation Chief Because of Regulators' Technophobia ↗

  Why I resigned as inaugural Chief Innovation Officer of the FDIC, and what the American banking system still has to confront about AI, quantum, and cyber.

• December 31, 2024

  Crain's New York Business

  Op-ed: The AI bubble will burst. Here's how to get ahead of it ↗

  AI spend is outpacing returns. What firms should do now to move past demos and generic LLM plays before the correction lands.

• August 29, 2024

  The Hill

  Did Big Tech bite off more than it can chew with AI? ↗

  The case for smaller, tailored models over frontier-scale LLMs — and why the AI future is more narrow than the headlines suggest.

• April 17, 2024

  Fox News Opinion

  Let's use AI to stop fentanyl at the border and keep it from killing Americans ↗

  Using AI pattern recognition at ports of entry to interdict fentanyl shipments — a practical national-security application of technology we already have.

• January 31, 2025

  19FortyFive

  Why the U.S. Must Treat Fentanyl Like a War on Terror ↗

  The case for a war-on-terror-style, bipartisan operational plan — combining AI, military and intelligence resources — against the fentanyl pipeline.

• December 31, 2022

  American Banker

  Banks should use open tech to ease faster payments migration ↗

  Why open-source and shared infrastructure are the shortest path through the U.S. instant-payments transition.

Testimony & regulatory statements.

Regulatory statements and congressional testimony, when they exist in the public record.