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Joao S. shared thisFraud is no longer about transactions, it’s about relationships. Graph Neural Networks are shifting detection from isolated signals to connected intelligence, uncovering patterns traditional models simply can’t see. #thoughtworks https://lnkd.in/gqYFpe-6GNNs: Modernizing fraud prevention in financial servicesGNNs: Modernizing fraud prevention in financial services
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Joao S. reposted thisJoao S. reposted thisFraudsters think in networks. Most fraud systems still think in rows and columns. That's the problem. And it's costing the industry far more than I realised. Authorised Push Payment (APP) fraud losses are projected to hit $7.6 billion by 2028 across six major real-time payment markets, growing at 17%. False declines, where legitimate transactions get blocked, are costing businesses an estimated $264 billion annually. Nearly five times more than the fraud itself. 35% of shoppers abandon a merchant entirely after a single false decline. 25% of scam victims leave their financial institution. Why? Most fraud detection models were built for a world of batch processing and card payments. They look at individual transactions in isolation. They can't see the relationships between accounts, entities and behaviours that reveal coordinated fraud rings, synthetic identities and money mule networks. Real-time payments changed everything. Transactions settle in seconds and can't be reversed. The old models weren't designed for this. And bolting AI features onto legacy systems isn't going to fix it. What are we doing about it? Thoughtworks has developed a production-grade fraud inference pipeline built on NVIDIA's AI Blueprint for fraud detection. It uses Graph Neural Networks (GNNs) to model relationships, not just transactions. GNNs work as a network intelligence layer that sits on top of existing fraud models. They see what your current systems can't: the connections between actors that make fraud rings visible and legitimate high-velocity customers distinguishable from bad actors. This approach preserves regulatory explainability. In financial services, a model that can't explain its decisions is a model you can't deploy. The pipeline uses SHAP analysis and graph-level attribution so institutions can meet their compliance obligations while dramatically improving detection. This is exactly the kind of work Thoughtworks was built for. Deep engineering on hard problems, in complex regulated environments, with real production constraints. Working pipelines. If you're in financial services and fighting the same battle between catching more fraud and blocking fewer legitimate customers, what do you think? Thank you to the Thoughtworks authors, Nvidia and Amazon Web Services (AWS) for their partnership. Find the full article linked in the comments. Alla Gancz, Art Troyanovsky Joao S., Brian Blanchard, Paul Chang, Georgios Kolovos, Md Naim, Shardul V. and Zachary Jacobson.
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Joao S. shared thisA powerful approach to fast-track AI adoption, backed by a clear, practical explanation of how to successfully implement it. Brian Blanchard #thoughtworks #aiworksJoao S. shared thisTwo worlds collide - I’m so happy to see my friend Ravit Jain hang out with my colleague Brian Blanchard at NVIDIA GTC to discuss the latest and greatest of what Thoughtworks has to offer to truly enable AI adoption, utilization and value creation. They talk about our solutions in: 👉 Enterprise Modernization - especially in terms of reverse-engineering legacy code to rebuild them in modern ways 👉 AgentWorks - our framework for creating the necessary governance and controls to operate AI safely 👉 Operations & Control Plane - consolidating complex technologies into a single platform Our solutions also utilize Amazon Web Services (AWS) infrastructure, specifically SageMaker and Bedrock, and our “Scaling AI” solution is in the AWS marketplace - so feel free to check that out! If you have any questions, feel free too reach out anytime - me and my amazing colleagues are happy to talk to you! #AWSPartner #NVIDIAGTC #theravitshow #thoughtworks #tiankaistuff
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Joao S. shared thisGreat conference packed with forward-thinking insights that truly reflect where the future of payments is heading. The discussions around innovation, real-time rails, and the evolution of digital finance were invaluable. Thank you, Abdeslam Alaoui , for the invitation. It was an honor to participate. My appreciation as well to Mehdi Bennani and Calypso Harland for the thoughtful conversations and the opportunity to connect with so many industry leaders.Joao S. shared thisThe final panel of Day 1 at #WeMeeting25 brought together a diverse group of leaders from across the payments ecosystem, regulators, infrastructure providers, technology innovators, and advisory experts, to discuss how fast payment rails are accelerating the shift toward cashless societies. Featuring insights from Bank Al-Maghrib, Switch Al Maghrib - SWAM, Enigma Technologies, Inc., and TRC Advisory, the discussion explored how collaboration across these domains can activate real value: balancing secure, resilient infrastructure with seamless user experiences. From proxy access points to the practical rollout of new use cases, the conversation highlighted how speed, trust, and interoperability are transforming payments across Africa, the Middle East, and Latin America. Many thanks to our speakers for taking on the stage and sharing their lessons with us: 🔹Hakima EL ALAMI, Director of Payment Systems and Instruments Oversight Department – Bank Al-Maghrib 🔹Hanae Ben Driss, Managing Director – Switch Al Maghrib 🔹Ryan Green, Chief Technology Officer – Enigma 🔹Joao S., Partner – TCR Advisory #WeMeeting25 #RealTimePayments #PaymentsInnovation #HPS30
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Joao S. reposted thisJoao S. reposted thisJust got back from SaaStock USA… and in case you were wondering, it was 🔥No surprise AGENTS were the hot topic. One of the most powerful takeaways came from Nathan Latka, who kept it short and sharp: the SaaS companies that win in 2025–2026 will crush it in these 3 areas: 1. Pricing – Move to usage-based or outcome-based pricing. Make customers feel like they’re only paying when they win. 2. Team – Replace repetitive tasks with AI agents. Start documenting now—your processes are tomorrow’s agents. 3. Distribution > Product – You could build the best thing ever, but if no one sees it, it doesn’t matter. SEO, content, AI search, affiliate…go hard on everything. His question: “Are you selling the whole cow?” Translation: are you squeezing every drop of value from what you’ve already built? And let’s talk about the GOATs I met: • Adam Robinson from RB2B – Grew his LinkedIn with killer content that brings in both new customers and top talent. Content is king but only if it’s authentic!!! • Alina Vandenberghe 🌶️ from Chili Piper – Sharp, focused, and scaling smart with help of AI agents. • Dan Martell from Martell Ventures – Dropped a warning: “It’s 1997 again.” AI is the next internet wave…are we leading or sleeping on it? • Rahul Vohra from Superhuman was revolutionizing productivity before it became a trend. True OG energy. • Jake Dunlap – Called out outdated sales frameworks like MEDIC. It’s a new era: LLM-driven marketing, AI-powered sales, and digital nurturing are the new playbook. Also, big love to Houston startups for showing up strong: UnicornForms, Industrial Data Labs, Scan Ninja Inc, Beebz and UBiosis Health — proud to see H-Town making waves in SaaS 🚀😍 The agent era is already here. Let’s build smart! and… If you’re looking to build AI-powered software solutions at blazing speed, let’s talk. Myself and the team at Honeycomb Software are working on a fresh AI offering and would love to partner with you on the next wave of innovation!
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Joao S. shared thisGreat event here in #Brazil with the #confluent team and great use cases for #streaming and #genai #rag thank you Rosane Prado Pedro Busko Mariana Ferreira Alejandro Martijena Elcio Favare Juliano De Lima Gustavo Estrada #vectara the next RAG platform Vectara + Confluent
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Joao S. shared this🚨 RAG Sprawl is a Real Problem in 2025—Here’s How to Solve It 🚨 As enterprises race to integrate Retrieval-Augmented Generation (#RAG) into their workflows, many are running into RAG Sprawl—a tangled mess of disconnected AI systems, rising costs, security gaps, and inconsistent performance. Without a unified platform, businesses risk inefficiency, compliance challenges, and scalability roadblocks. The solution? Standardization. Centralization. Scalability. 📌 From Data Silos to RAG Sprawl: Why the Next AI Revolution Needs a Standard Platform - https://lnkd.in/gVjCfn4W 📌 Unifying Enterprise AI: Overcoming the RAG Sprawl Challenge - https://lnkd.in/gBPFUjyM 📌 End RAG Sprawl: The Case for Platform Standardization - https://lnkd.in/gerHzTg2 Let’s scale AI responsibly—without the chaos. #RAGSprawl #EnterpriseAI #GenAI #AIInfrastructure #RAGaaS #Scalability #AIPlatform #VectaraFrom data silos to RAG Sprawl: why the next AI revolution needs a standard platformFrom data silos to RAG Sprawl: why the next AI revolution needs a standard platform
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Joao S. reposted thisJoao S. reposted thisAI Agents: Reshaping the Future of Work! AI is no longer a nice-to-have—it’s a must-have for businesses looking to scale, optimize, and stay ahead. AI agents are revolutionizing workflows, boosting efficiency, and transforming decision-making. Join us for an exclusive session to discover how AI agents can become a strategic advantage for your business. 📅 Date: Thursday, April 3 💻 Live on Zoom 🔗 Register now: https://lnkd.in/gPHeDbSZ 🔗 Event details: https://lnkd.in/gmTniUWW
Joao S. commented on a post
1mo
Don't forget Hadoop 😁
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Joao S. liked thisJoao S. liked this💥 Breaking: 21 banks, including Bank of America, Citi and Goldman Sachs, are preparing to launch a consortium stablecoin in 2027👇 According to the WSJ, nearly two dozen financial institutions are joining forces to enter the stablecoin market. The initiative will initially focus on commercial clients, although use cases could vary by region and extend into retail markets. The stablecoin is expected to launch in US dollars before expanding into other G7 currencies. ➡️ Why this matters For banks, stablecoins and tokenized deposits are increasingly looking less like an either/or decision — and more like two complementary forms of digital money serving different markets. Tokenized deposits are gaining traction among large corporates and financial institutions, particularly where clients already operate within established banking relationships and infrastructure. More details here: https://lnkd.in/eQmfTcGZ Stablecoins potentially extend the addressable market much further. They are more accessible to SMEs, fintechs and individuals, can circulate beyond the infrastructure of a single bank, and can plug directly into the rapidly expanding ecosystem of digital-asset wallets, exchanges and onchain applications. That creates a commercial dilemma for banks. Ignore stablecoins, and they risk ceding transaction flows, customer relationships and potentially deposit economics to crypto-native issuers and fintechs. Launch individually, and every bank must solve the same problems around distribution, liquidity, interoperability and network acceptance. A consortium model offers a third route: compete collectively on the money layer, while competing individually for the customers and services built around it. ✅ Want more business intelligence on digital asset? Join 110,000+ readers from 300+ financial institutions at Tokenization Insight 👉 https://lnkd.in/eMQMA65d
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Joao S. liked thisJoao S. liked thisViene de transformar la banca digital con una convicción clara: poner siempre a los usuarios en el centro. Trae a Wenia la experiencia de un camino lleno de aprendizajes, innovación y retos superados, junto con una mirada que inspira a ir más allá de lo establecido. Los grandes equipos se construyen con personas que impulsan a otros a crecer, se atreven a abrir nuevos caminos y convierten los desafíos en oportunidades. Bienvenida, Pili. Juntos vamos por más. 💙 María del Pilar Correa Hoyos
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Joao S. liked thisDespués de ser parte del nacimiento de Kyndryl, hoy asumo el rol de Managing Director para Colombia, Ecuador y Centroamérica. Comienza uno de los capítulos más importantes de mi carrera. Recibo esta responsabilidad con orgullo, gratitud y, sobre todo, con un profundo sentido de compromiso. Hace cinco años, junto a un grupo de grandes profesionales, aceptamos el desafío de construir una nueva compañía respaldada por décadas de experiencia. Desde entonces, hemos evolucionado nuestro portafolio, profundizado nuestro conocimiento de las industrias y acompañado a nuestros clientes en la gestión y transformación de su tecnología más crítica. Esta nueva etapa tiene para mí un propósito claro: hacer crecer a nuestra gente, estar aún más cerca de nuestros clientes y conectar las capacidades globales de Kyndryl con las oportunidades de esta región. Creo que liderar es ponerse al servicio de los equipos: escucharlos, acompañarlos y crear las condiciones para que cada persona crezca y conecte su propósito con el de la compañía. Gracias a nuestros clientes por su confianza; a cada persona de Kyndryl y de nuestros aliados por lo que hemos construido juntos; y a mi esposa y a mi familia, que me acompañan y sostienen en cada desafío. A quienes están construyendo la agenda de tecnología de su organización para los próximos años: quiero escucharlos. ¡ Vamos adelante, equipo Kyndryl, estoy acompañado del mejor equipo y estoy seguro que seguiremos haciendo historia juntos !Joao S. liked thisKyndryl anuncia el nombramiento de Juan Pablo Herrera como Managing Director para el cluster de Colombia, Ecuador y Centro America, efectivo a partir del 1 de septiembre. En este rol, liderará la estrategia y las operaciones en este territorio, fortalecerá las relaciones con clientes y aliados e impulsará el crecimiento sostenible del negocio. Con más de dos décadas de experiencia, Juan Pablo ha sido parte clave del desarrollo de Kyndryl en Colombia como Customer Unit Executive. Él trabajará junto con nuestros equipos para potenciar el talento y las capacidades globales de Kyndryl, acompañando a los clientes en la modernización de sus entornos críticos y en la adopción segura, resiliente y responsable de nuevas tecnologías, como la inteligencia artificial y la agentica. Este nombramiento abre una nueva etapa para Kyndryl en la región, construida sobre una base sólida y orientada a generar mayor valor para nuestros clientes, nuestra gente y el ecosistema empresarial de la región. Le deseamos a Juan Pablo muchos éxitos en este nuevo desafío y confiamos en que, junto con nuestros equipos, seguirá impulsando el crecimiento de Kyndryl. Asimismo, agradecemos a Gerardo Osio por su liderazgo, compromiso y valiosa contribución a la consolidación de nuestro negocio, y le deseamos lo mejor en su nueva etapa. #TheHeartOfProgress
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Joao S. liked thisLa esencia de hacer bien las cosas cuando de BIAN se trata - *Gobernar el Desorden* - esa acción e responsabilidad es la que hace que la arquitectura del Banco realmente sea sólida, ganando T2M finalmente e sobre todo ninguna duplicidad.Joao S. liked thisHe perdido la cuenta de cuántos RFP de core bancario he revisado en LATAM donde BIAN aparece como el gran protagonista. Y también de cuántas veces he visto que, una vez firmado el contrato, el estándar pasa directamente al olvido. El patrón se repite constantemente: BIAN termina usándose como una simple taxonomía de marketing. El equipo arma un diagrama impecable para decir "nuestro core cubre el 80% del Service Landscape de BIAN", se presenta con orgullo ante el comité, se archiva en el documento de arquitectura... y hasta ahí llegó. Lo frustrante es que el valor real de BIAN no está en la foto estática para aprobar la compra. Está en la realidad operativa y técnica a la que se enfrentan los equipos en el día a día, muy lejos de las salas de reuniones y las presentaciones conceptuales: En los contratos de API: Usar los Service Domains para definir integraciones reales entre sistemas, no solo conceptos en una presentación. En limpiar la casa: Detectar dónde tenemos duplicidad funcional entre el core y todos esos sistemas satélites que hemos ido parcheando durante años. En gobernar el desorden: Si mañana el equipo quiere desplegar un microservicio nuevo y nadie sabe a qué Service Domain pertenece en menos de dos minutos, el mapa ya no sirve de nada. BIAN como estándar no falla. Lo que falla es tratarlo como un trámite de una sola vez para justificar una decisión que, muchas veces, ya se había tomado por otras razones. El mapa lo tenemos todos. Lo que nos cuesta —y mucho— es la disciplina de mantenerlo vivo como herramienta de trabajo y no como un anexo decorativo. En su banco, ¿el mapping de BIAN evoluciona cada vez que cambian la arquitectura, o se quedó congelado el día que cerraron la licitación? #CoreBanking #ArquitecturaEmpresarial #BIAN
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Joao S. liked thisJoao S. liked thisSome of the best career decisions I've ever made looked foolish at the time. Long before I ever carried a sales quota, I was a data architect at JPMorganChase. Early in that chapter of my career, one of my mentors, Dan Lynch, began giving me opportunities to build and improve Shared Services that were provided across the organization. Those opportunities shaped the rest of my career. Before long, a few coworkers started calling me "Mr. Fix-It." If a system was inefficient, I wanted to make it better. If it was a new service, I wanted people to use it and benefit from it. I genuinely enjoyed figuring out how things worked and making life easier for the people who depended on them. I loved taking a messy problem, connecting the dots, and finally seeing the pattern beneath the surface. It was never about proving I was the smartest person in the room. It was about understanding the problem well enough to build something better. Once I understood a system, I started thinking about how to improve it. Looking back, I realize I wasn't just fixing technology. I was learning how organizations change. Technology was simply the mechanism. The real challenge was helping people, teams, and businesses work more effectively. That mindset led me to help build Centers of Excellence in Enterprise Monitoring and Business Intelligence before pulling me into the emerging world of Big Data and Data Science. I spent a decade at JPMorgan Chase solving challenging problems with talented people. I remain proud of what we built together. I loved my time there. Then I made a decision that surprised people. I left JPMorgan Chase to become a Sales Engineer at Cloudera. The question I kept hearing was: "Why would a JPMorgan Chase data architect on the path toward an Executive Director promotion leave to become a Sales Engineer at a startup?" Others were even more direct. "You're crazy!" Maybe they were right. From the outside, it looked like I was walking away from a stable career and a clear promotion path. From my perspective, I was following something that had been pulling at me for years. I've always been a data geek, but I had become fascinated by Big Data and Data Science. I was reading everything I could find, experimenting with new technologies, and thinking about the industry's future. I wanted to learn from the people building it. Joining Cloudera gave me that chance. Just as importantly, I found an incredibly supportive startup culture created by leaders like Mike Olson and Tom Reilly. It was exactly what I needed. Looking back, it was one of the best decisions I ever made. It opened doors I never could have predicted and reinforced a lesson I've carried throughout my career. The best career decisions often begin by paying attention to what genuinely fascinates you. I'm curious. What's a career decision you made that others questioned but turned out to be one of the best decisions of your life? #ArtificialIntelligence #CareerGrowth #Startups #Technology
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Joao S. liked thisI’ve joined Temenos If you’re in banking, you already know the name. If you’re not, here’s the quick version: Temenos is the software running quietly behind most of the banking world, core banking, digital banking, payments, used by financial institutions in 150+ countries, from global giants to banks just getting started. If you’ve ever used a banking app anywhere in the world, there’s a good chance Temenos was working behind the scenes to make it happen. I’m genuinely happy to be part of that now.. here to help clients across the region build, grow, and serve their own customers better. New chapter. #temenos #banking #fintech
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Joao S. liked thisWell it was Tashkent last week, this week it’s Istanbul for the Central Bank Payments Conference. Lots of people to meet and continue the Klearium story. Great to be with Freddie and Priscilla again. Got a feeling this one is gonna be greatJoao S. liked thisFrom Uzbekistan to Istanbul, we’re holding onto the momentum of Silk Road Finance & Technology Forum and taking it into the 10th Central Bank Payments Conference. This week, over 40 central banks and 100+ senior payments leaders gather to work through one question: how do payments keep moving in a world that keeps fragmenting? This year's theme, "Payments Without Borders in a Fragmented World," couldn't sit closer to home. It's the exact tension The Klearium Group sets out to solve; de-risking has cut markets off from correspondent banking, and closing that gap requires infrastructure that's both interoperable and provably compliant, not one or the other. We're proud to be a sponsor this year, and looking forward to sitting down with central banks and industry leaders from over 40 countries to talk through what that actually takes.
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Joao S. liked thisJoao S. liked thisFour weeks since I joined Barco. It’s been a busy and exciting few weeks! Great to be in Melbourne this week getting to know the wider team and meeting with customers, strengthening connections across the business. Looking forward to what’s ahead #barcohealthcare #diagnosticimaging #medicalimaging #operatingroom
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Joao S. liked thisJoao S. liked thisFEBRABAN TECH 2026 foi diferente. Primeiro grande evento depois da aquisição da TSYS pela FIS. Um novo time, novos colegas, novos clientes e, ao mesmo tempo, muitos parceiros e amigos de longa data. Foram três dias intensos, de muita conversa, troca e bastante trabalho. Daqueles eventos que terminam, mas deixam a sensação de que ainda há muito por construir. Agora é transformar as conversas em oportunidades, as ideias em ação e seguir. Temos muito trabalho pela frente e esse é só o começo. #FebrabanTech #FIS #TSYS #Payments
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