Cross-border savings can disappear in exception handling. A lower foreign-exchange spread or transa...
A payment deal can have a strong sponsor and still have no decision owner. The sponsor opens doors,...
A month into Ethos, I’ve had plenty of moments where I wasn’t sure what to expect. I joined with que...
Stablecoins can change the settlement layer while leaving much of the payment operating model in pla...
An account-to-account proposition should still work when the rail has a price. I would test the busi...
A participant can be technically connected to a payment system and still have no viable way to compe...
Accountability is not about being pushed harder. It is about agreeing what matters, being honest abo...
Payments pilots often stall when experimentation has to become ownership. A pilot can show that the ...
Three different payment layers are often collapsed into one conversation. The payment method is how ...
Quick answers can feel helpful. They can also close down the thinking too soon. The better question ...
The cheapest rail can still create the most expensive payment outcome. Rail price is one line in the...
For founders adding payments, one question comes before provider selection: what customer behaviour ...
In payment economics, price is only one part of the decision. A headline rate can look attractive wh...
Being busy can be reassuring. It creates a sense of movement. But activity and progress are not the ...
Before a payment partnership conversation, I would want five commercial questions answered. 1. What ...
One lesson from building a central deal team: commercial work becomes more valuable when it is made ...
Cross-border is often described as a currency feature. In practice, it is an operating model. Before...
I have recently become a member of Ethos! Ethos is a platform that matches professionals with paid ...
Clarity often comes before action. When a decision feels difficult, the instinct is to collect more ...
A payment capability is not yet a commercial proposition. The difference matters. A capability expla...
Most payment-partner offers look attractive in the headline. The P&L impact usually sits in the mech...
Most scheme negotiations are won on day one and lost in month fourteen. The rebate is agreed against...
Most scheme negotiations are won on day one and lost in month fourteen. The rebate is agreed against...
European regulators admitted the obvious. They cannot keep up with the pace of AI, as the the tone...
Most scheme deals are sold on rebates and incentives. That’s not where P&L lives. In practice, value...
I’m glad to be advising Ike Mbuko and the NŌRI team on their commercial rollout strategy. What make...
Most issuers and fintechs still negotiate scheme deals off headline incentives, not the true P&L imp...
The interesting thing about Wero may not be the app. It may be the plumbing. ACI Worldwide has join...
1,000 followers. I started posting to think out loud about payments, AI, and the infrastructure dec...
We're obsessing over what AI agents will buy. Almost no one is asking the multi-million-euro questio...