The tools have arrived. The organizations have not. Everything I build — the Signal Stack, the white papers, the publications — exists to close that gap. Not abstractly. Operationally. For the practitioners and operators who carry the actual weight of what happens when AI meets infrastructure that was never built to govern it.
I came to this work through three decades of IBM i development and a decade-plus as an enterprise CTO inside consumer finance. I have lived on both sides of the technology gap — as the architect and as the operator who inherits what the architect built. The Pegasus Signal Stack is the accumulation of everything I have learned about what readiness actually looks like, measured against what organizations actually do.
By the numbers
30+
Years IBM i
Experience
182
Signals
Tracked
14
Signal
Categories
3
Active
Publications
The work
2026 —
COMMON Board of Directors
Joined the COMMON board effective May 1, 2026 with an AI-focused mandate — bringing the Signal Stack thesis directly into IBM i institutional governance.
2026 —
consumerfinance.ai · Launched
Research intelligence publication tracking AI adoption, regulatory accountability, and credit infrastructure in consumer lending. Built on the Signal Stack. Written for the operators who carry fiduciary responsibility for what the models do.
2025 —
Pegasus Signal Stack · v1.0 → v8.5
Built and published the Pegasus Signal Stack — a running registry of AI readiness signals now tracking 182 signals across 14 categories. The foundation for all three publications and the Agentic Jevons Trap white paper series.
2025 —
signal4i.ai · Launched
AI readiness intelligence publication for IBM i practitioners. Eight volumes published. The Arc series anchors the PowerUp 2026 conference session and the COMMON board AI agenda.
2015 — 2027
CTO · American First Finance
Chief Technology Officer at AFF, a $1B subsidiary of FirstCash ($7.5B). Oversaw enterprise technology infrastructure across consumer lending operations. Exit window: Q4 2026–Q2 2027.
Prior —
Founder · Compass Technologies
Founded and built Compass Technologies — LTO and lending software built on IBM i. Clean IP lineage. Successful prior venture that established the enterprise technology foundation for everything that followed.
The thesis
Source is Sovereignty
Every organization that rents its intelligence infrastructure from a vendor is one contract renewal away from losing the capability it built its strategy around. The sovereignty thesis is not ideological — it is operational. The organizations that own their intelligence layer will define the competitive landscape of the next decade. The ones that don't will spend that decade catching up.
The Agentic Jevons Trap is the corollary. When AI makes a capability cheaper, organizations deploy more of it — and the governance apparatus built to manage the original level of deployment is immediately overwhelmed. Efficiency accelerates exposure. The restraint mechanism collapses faster than it can be installed. Governance is the counter-paradox. It is the only thing that converts capability into durable competitive advantage.
Connected publications
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IBM i AI Readiness Intelligence
Signal research for IBM i enterprise environments navigating AI adoption, modernization, and the infrastructure decisions that determine competitive position over the next decade. Eight volumes. COMMON board extension.
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Consumer Finance Intelligence
The Signal Stack applied to consumer lending — AI adoption gaps, regulatory accountability, BNPL infrastructure signals, and the decisioning implications of agentic AI deployment at scale.
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reggiebritt.substack.com
The sovereignty thesis in long form — essays, signal analysis, and the arguments that sit behind the white papers. Subscribe for direct delivery.
White papers
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The Agentic Jevons Trap
How AI efficiency gains paradoxically accelerate the very risks they claim to solve. The CENTCOM deployment is the case study. The governance void is the conclusion.
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The Governance Void Is Now a Liability
McKinsey: 2.3/5 governance maturity. 14% of Fortune 500 ready. EU AI Act enforcement: August 2026. The void has been named, measured, and is now legally enforced.
Contact
The best way to reach me is through Substack or X at @reggiebritt. General inquiries: reggie@reggiebritt.ai. For consumerfinance.ai: reggie@consumerfinance.ai.