I design and deliver the architecture behind banking change — from challenger bank build-outs to core banking replacement, payments modernisation, and regulatory programmes. This site is where I publish the longer thinking behind what I post on LinkedIn.
The real story in embedded finance isn't boundary erosion between banks and platforms — it's margin migration. A look at who captures the economics, and the architecture that decides it.
Read the full piece →The industry sold AI in credit risk as better science. It is better science. That was never the problem. An argument about craft, calibrated loss, and who is left to answer when the machine decides.
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