Banking TRIZ: Resolving Contradictions and Challenges in Banking

Banking institutions operate in a world of relentless contradiction - where the pressure to innovate clashes with the imperative to comply, where customer convenience conflicts with fraud prevention, and where profitability must be reconciled with prudential safety. Conventional problem-solving frameworks rarely address these tensions head-on. This book introduces a disciplined, structured methodology drawn from TRIZ - the Theory of Inventive Problem Solving - and applies it systematically to the complex regulatory and operational landscape of modern banking.

This comprehensive reference equips compliance officers, risk managers, regulators, and banking strategists with a rigorous toolkit for resolving the contradictions inherent in financial services. Beginning with a foundational examination of why banking generates structural contradictions, the book progresses through modern regulatory frameworks, decision-making models, and a full suite of Banking TRIZ principles organized across customer experience, risk governance, and technology operations domains.

• Domain-specific analysis covering retail banking, commercial banking, payments and PSD, AML and financial crime, fraud management, trading and treasury, open banking and APIs, and operational resilience
• Practical principles for navigating regulatory contradiction without sacrificing business performance
• Structured guidance aligned with real-world compliance workflows and governance frameworks
• Actionable inventive principles adapted specifically for regulated financial environments

Whether you are designing compliance architecture, stress-testing governance models, or leading regulatory transformation programs, this book provides the conceptual depth and practical structure needed to resolve banking's most persistent contradictions with precision and confidence.

"Banking TRIZ introduces a practical methodology for resolving the operational contradictions that financial institutions face every day. It transforms complex banking challenges into structured decision-making."

"An outstanding resource for banking executives, CIOs, CISOs, CROs, compliance officers, auditors, and operational risk professionals responsible for balancing regulation, technology, security, and business objectives."

"Rather than viewing banking regulations as isolated compliance obligations, Banking TRIZ demonstrates how interconnected operational challenges can be analyzed and resolved systematically."