Decades of expertise designing, deploying and deconstructing card payment systems across multiple portfolios. We understand the real architecture of trust.
Decades across banks, networks, retailers and regulators, with hands-on delivery of large-scale payment projects.
Objective advice that cuts through buzzwords, evaluates hype critically, and makes sure clients invest in solutions that will actually work.
Jargon, technical detail and industry hype translated into insight clients can act on with confidence.
Payments tech evolves fast, from magstripe to chip to biometrics, but the underlying flows of authorisation and settlement barely change. Only the data has grown.
Developing payment services isn't about disruption. It's about innovation that benefits everyone and can be applied with minimal upheaval. That's why I help clients see past the buzzwords to the structures that really matter.
Innovation is often less about tearing everything up, and more about seeing how existing rails can be bent into new shapes.
Cash bill payments at the local shop, with money travelling the opposite way to a card sale. Same principles of authorisation, data capture and settlement, rebuilt around standard technology.
Read the story →No one had done a migration of this size before. Card issuing, PIN change, ATM operations and real-time cryptogram checks all re-engineered while the end-to-end flow stayed intact.
Read the story →Open Banking was built for individually settled account-to-account payments. Retail settles in bulk. Grafting one onto the other breaks the flows that make retail payments work.
Read the argument →I've built services from scratch, delivered change at massive scale, and challenged models that don't fit the logic. Today I spend my time analysing where the industry is going and advising clients on how to separate enduring logic from passing fashion.
Real-time settlement, digital identity, cross-border integration and new regulation are already unfolding. The organisations that succeed will fit their strategies to the logic that lasts.