Research

Decision Governance.
Long-form, forensically documented.

Three articles on the structural gap that opens when AI enters financial advice — and why more reliable AI does not solve the compliance risk, it deepens it. The methodology behind these articles.

Attributability EU AI Act Audit Trail

Ghost Ownership — Attributability Gap in AI-Augmented Advice

Who actually decided? When AI shapes financial advice, the question of authorship has no clean answer anymore. GDPR, EU AI Act, DORA — and why more reliable AI makes the problem worse.

15.04.2026 · Long-form
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MiFID II BaFin Compliance

MiFID II AI Documentation for Financial Advisors

MiFID II requires traceable documentation of every recommendation. When AI tools are involved, the obligation implicitly expands to provenance, authorship, and override trail. Excel and Word are not enough.

13.05.2026 · Long-form
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Inverse Governance Liability Documentation

Reliable AI Doesn't Save the Advisor

When AI is reliable, advisors accept its output. There is nothing to override, so there is nothing to record. The Inverse Governance Paradox: better AI produces more compliance risk, not less.

20.04.2026 · Long-form
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