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CATALISA / PERSPECTIVESNOTEBOOK 01 · OCTOBER 2026

The market changes.
What is worth building?

Perspectives on the demands that reach the architecture: efficiency, credit, artificial intelligence and operational continuity.

This edition's question

How to deliver the next
product without multiplying
the complexity?

Start with a responsibility that can evolve. Then connect context, operations, and evidence of results.

Read the opening perspective
PRIMARY SOURCES + EDITORIAL READING + PRACTICAL APPLICATION
Signals that shape the agenda

Metrics with period and source.
Interpretations with explicit authorship.

83%

of banking transactions took place through digital channels in 2025.

Febraban Survey 2026 · base year 2025See the survey ↗
12 practices

to guide the responsible adoption of AI in financial institutions.

FSB · final report of Oct 15, 2026Read the post ↗
Five reads. Concrete decisions.

Choose the question
of your operation.

5 reads available

From signal to architecture decision

What the demand
changes in the design?

Faster delivery

Changes that don't require changing every channel.

Reusable contracts and capabilities ↗

Credit with context

Sufficient data and a policy that handles exceptions.

Sources, decisioning, calculation, and formalization ↗

AI that delivers results

A completed, confirmed task, not just a response.

Tools, states, and responsibilities ↗

Ongoing operations

Know what is waiting, what fails and what can be retried.

Explicit dependencies and recovery ↗

Our take: these demands favor clear boundaries and composition. The sources provide market context; they do not endorse Catalisa or prove platform results.

How this notebook was built

Source, analysis
and hypothesis have
different places.

We selected publications from Febraban/Deloitte, the Central Bank, the FSB, the Bank of England, and GOV.UK. Data periods are preserved; projections are not presented as actual results.

Each read distinguishes external evidence, editorial interpretation and proposed examples. The metrics are criteria for evaluating projects, not performance promises.

Research reviewed on October 22, 2026. International articles are contextual references, not Brazilian regulatory equivalents.Explore the Catalisa architecture