The Most Misunderstood Career Fork in Enterprise Technology
One observation I’ve made throughout my career is that customer-facing technology roles eventually split into two very different paths: decision-making...
Coordinating Money Isn’t Solved.
For the last twenty years, fintech has focused on moving money. Faster payments. Cheaper payments. Better payment experiences. And largely,...
Agentic Commerce Has an Infrastructure Problem — and Merchants Hold More Power Than It Seems
Adyen recently published a whitepaper titled “Agentic Commerce Has an Infrastructure Problem.” The paper makes an important point: while AI...
What is Alipay+?
Alipay+: Bridging Global Payments with Local Convenience In an increasingly interconnected world, seamless cross-border payments are essential. Alipay+, developed by...
The Future of Shopping: AI Agents, Agentic Payments, and Autonomous Checkout
Imagine a world where your personal AI agent can shop for you, hunting for the best deals, monitoring price drops,...
Chargebacks vs Refunds
In the world of payments, chargebacks and refunds are both ways for a customer to get their money back—but the...
Observations: Australia’s Payments Sector – Part 1
In this blog post series, I would like to highlight some of the learning that I made in the first...
Are All Card Transactions the Same? Understanding Card-on-File vs. Unscheduled Card-on-File
Not all card transactions are alike, and two key types—Card-on-File (COF) and Unscheduled Card-on-File (UCOF)—serve different purposes. Both involve storing...
Liability Shift – Who’s Taking The Risk?
One of the most important questions in the payments industry is understanding liability shift—who bears the risk when fraud occurs?...