DORA Compliance

AI Fraud Detection in European Banks 2026: Article 50 Disclosure, PSD3 Liability Shift & DORA Enforcement

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AI fraud detection system in European banks 2026 showing EU AI Act Article 50, PSD3 liability shift and DORA compliance infrastructure

In 2026, AI fraud detection in European banks is no longer a performance arms race. It is a regulatory survival discipline shaped by the EU AI Act, PSD3 liability reform, and DORA operational resilience mandates. Fraud systems are now classified as high-risk AI systems, triggering mandatory logging, transparency, and human oversight obligations. At the same … Read more

The €50,000 Shadow AI Fine: Why French and German B2B Contractors Are Facing a DORA Liability Trap

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Digital illustration showing a freelancer’s laptop connected to banking systems, with AI symbols in shadow, representing hidden AI liability risks under DORA in Germany and France.

Across Germany and France, B2B contractors working with banks and insurers are increasingly using AI tools to write, refactor, test, and document code. In most cases, this usage is informal: personal large language model (LLM) accounts, browser-based assistants, or tools that sit outside a client’s approved development environment. What has changed is not the technology … Read more