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    Core Concepts

    Foundational frameworks for human-centred systems in the age of AI.

    For intellectual origins, authorship, and trademark documentation, see the Origin & Authorship page.

    Human Debt™

    The accumulation of unmeasured human-system strain that degrades decision quality, execution reliability, and organisational resilience.

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    Emotional Banking™

    How emotional interactions — safety, credibility, care, and follow-through — accumulate over time as either value or risk inside organisations.

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    Empathy Architecture™

    The deliberate design of systems, rituals, and spaces that foster connection and understanding. Moving empathy from a soft skill to a structural necessity.

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    Execution Debt

    Emergent systemic risk that arises when Human Debt™ and Technical Debt interact under conditions of low decision visibility and organisational opacity.

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    Duena Blomstrom.

    Duena Blomstrom is the originator of Human Debt™, the organisational risk concept describing the accumulation of strain, decision friction, and execution risk that builds invisibly before performance failure. She is also the creator of Emotional Banking™, the original FinTech framework examining the emotional, cultural, and behavioural foundations of digital banking.

    PeopleNotTech is one institutional application of the Human Debt™ concept, focused on governance-grade diagnostics and execution signals.

    Her upcoming work, Emotional Banking 2.0 – Tales from the #FinTech Crypt and the Organisational Trenches, expands that foundation into the age of AI.

    Essays and canonical thinking live at writings.duenablomstrom.com.

    Author, speaker, and Empathy Architecture™ visionary — building the protocol layer between humans and machines.

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