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Wendy MacKinnon on Muck Rack

Wendy MacKinnon

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#byoai | Richard Crone | 23 comments

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By Richard Crone, Jim Rosenberger, Wendy MacKinnon
| LinkedIn
Bring Your Own AI (BYOAI) is a once‑in‑a‑lifetime vertical re‑integration opportunity for core processors because reclaiming the customer interface lost to standalone digital‑banking platforms is worth ~$28M–$84M annually per 1M users, including ~$6M–$18M outside their System of Record (SoR). Every prior wave disintermediated the core, then forced it to buy back the interface: Fiserv w/M-Com/Corillian; FIS w/mFoundry; Jack Henry w/Banno; Finastra w/Malauzai & CSI w/Apiture, etc.
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