Generative AI

“Powerful technologies require equally powerful ethical guidance.” (Bostrom, N. Superintelligence: Paths, Dangers, Strategies. Oxford University Press, 2014). The ethics of using artificial intelligence depend on how we apply its capabilities—either to enhance learning or to prevent irresponsible practices that may compromise academic integrity. In this blog, I share reflections, experiences, and insights about the impact of AI […]

Financial institutions are at a pivotal moment. As customer expectations evolve and AI reshapes digital engagement, leaders in marketing, CX, and IT must rethink how they deliver value. Adobe’s report, “State of Customer Experience in Financial Services in an AI-Driven World,” reveals that only 36% of the customer journey is currently personalized, despite 74% of […]

I think about the early ATMs now and then. No one knew the “right” way to use them. I imagine a customer in the 1970s standing there, card in hand, squinting at this unfamiliar machine and hoping it would give something back; trying to decide if it really dispensed cash…or just ate cards for sport. […]

In the fast-paced world of artificial intelligence, a new open-source model from Chinese AI firm Minimax is making a significant impact. Released in late October 2025, Minimax M2 has rapidly gained acclaim for its innovative approach to reasoning, impressive performance, and cost-effectiveness, positioning it as a formidable competitor to established proprietary models. A New Architecture for a […]

The Evolution of Microsoft Copilot Copilots journey starts from the time when Microsoft developed Cortana – a digital assistant to support Windows. But over time, AI has evolved and Microsoft began to adapt advanced features of AI, harnessing all the necessary features to be put on. Moreover, with the development of text summarization and Generative […]

In speaking recently with my current co-worker Amanda Estiverne-Colas, who serves as Director and Head of Payments Practice at Perficient, Amanda shared with me statistics she had provided to her audience at the 2025 GULF AML Forum, an annual conference for anti-money laundering (AML) professionals in the financial services industry and government. The statistics, which I found both fascinating and scary, included:  Phishing attacks have surged by 4,151% just since ChatGPT’s […]

In financial services, trust has always been foundational. But today, it’s being redefined, not by brand reputation or policy language, but by how customers experience speed, control, and transparency in real time.  According to Adobe’s report, “State of Customer Experience in Financial Services in an AI-Driven World,” 96% of financial services executives say customers value […]

Artificial Intelligence (AI) is everywhere. Every month brings new features promising “deeper thinking” and “agentic processes.” Tech titans are locked in trillion-dollar battles. Headlines scream about business, economic, and societal concerns. Skim the news and you’re left excited and terrified! Here’s the thing: we’re still human – virtues, flaws, quirks, and all. We’ve always had […]

Introduction In this blog, we’ll explore how to connect OpenAI’s API with a Spring Boot application, step by step. We’ll cover the setup process, walk through the implementation with a practical example. By integrating OpenAI with Spring Boot, you can create solutions that are not only powerful but also scalable and reliable. Prerequisites Java 17+ […]

Microsoft Ignite 2025 is right around the corner—and Perficient is showing up with purpose and a plan to help you unlock real results with AI. As a proud member of Microsoft’s Inner Circle for AI Business Solutions, we’re at the forefront of helping organizations accelerate their AI transformation. Whether you’re exploring custom copilots, modernizing your […]

Turn on CNBC during almost any trading day and you’ll see and hear plenty of AI buzz that sounds great, and may look great in a deck, but falls short in regulated industries. For financial services firms, AI must do two things at once: unlock genuine business value and satisfy strict compliance, privacy, and audit […]

In today’s financial landscape, personalization is no longer a luxury; it’s a customer expectation. Yet, according to Adobe’s latest State of Customer Experience in Financial Services in an AI-Driven World report, only 36% of the customer journey is currently personalized, despite 74% of financial services executives acknowledging that their customers expect tailored interactions. This gap […]