Payments · Regulation · AI

Bringing domain depth to frontier AI.

Thirteen years in payments and financial regulation: pre-sales architecture through implementation, support and customer success, across Tier 1 banks and global merchants where regulatory scrutiny and customer expectations are equally unforgiving. Now I'm focused on the intersection where AI reshapes how regulated industries operate.

01 / 03

You run the business. I worry about the regulation.

Tier 1 banks and global merchants have enough on their plate. For thirteen years, I've been the person who translates PSD2, DORA and SCA into clear guidance, so customers can move fast without the compliance risk.

02 / 03

I don't just advise on regulation. I index it.

paymentslaw.eu, 3dsspec.com. Tools built from domain knowledge that only comes from years inside the problem.

03 / 03

AI changes everything. Domain depth decides how.

The organisations that get AI right in regulated industries won't be the ones with the best models. They'll be the ones that understand the constraints. That's where I operate.

Featured Writing

Thinking out loud

Payments, regulation, AI, decision-making. If it's worth understanding properly, it's worth writing about.

AI & Governance

AI Governance in Fraud Detection: What the New Frameworks Actually Require

AI-powered fraud detection is outpacing the rules that govern it. The new explainability and governance standards are here. Most financial institutions aren't ready.

Read on Transaction Intelligence AI & Security

AI Has Defeated Bank Voice Authentication. What Now?

Financial institutions relying on voice biometrics face a serious problem. AI can now clone voices from seconds of audio, turning everyday digital footprints into authentication vulnerabilities.

Read on Transaction Intelligence Payments & AI

AP2 vs 3-D Secure: How Payment Authentication Is Evolving

Twenty-five years ago, the payments industry solved the trust problem of e-commerce with a three-domain architecture. Now, as AI agents prepare to shop on our behalf, history rhymes.

Read on Transaction Intelligence Systems Thinking

Second-Order Thinking: What the UK's Age-Check Law Taught Us About Regulation

Politicians love declaring victory. A new law passes, the metrics move in the right direction. But in complex systems, the real consequences emerge downstream.

Read on Transaction Intelligence Customer Success

The Customer Lifecycle Leader: Why Your Next VP Should Own Presales to Renewal

A £2M deal on the brink. Not because of product or pricing, but because pre-sales, implementation and CS were pulling in different directions. The case for unifying the customer journey under one leader.

Read on Transaction Intelligence Regulatory

Monzo's £21 Million Fine: A Systems-Thinking Post-Mortem

The FCA didn't fine Monzo for a single failure. It fined them for a system that made failure inevitable. What the £21M penalty reveals about operational resilience in regulated financial services.

Read on Transaction Intelligence

Projects

Saw a problem. Built a fix.

Domain expertise turned into working software.

EU Payments Legislation

paymentslaw.eu

A version of EUR-Lex you'll actually want to use. Built around PSD2, PSD3, PSR, FiDA, eIDAS2 and the AI Act, then expanded to 41 legislative acts. Full-text search, forward and backward cross-referencing, and article-level navigation.

Visit paymentslaw.eu
EU Payments Law: interactive search across 41 EU payments and financial legislative acts

3DS Protocol Reference

3dsspec.com

Ever wondered what transStatusReason=14 means? Which version of EMV 3DS added RCI 14? What format is the acquirer country code? An interactive reference for the EMV 3DS protocol. Browse message types, field definitions and data elements across releases, without opening thousands of pages of specs.

Visit 3dsspec.com
3DS Protocol Reference: interactive EMV 3-D Secure specification browser

Connect

What's next

I'm looking for roles where AI meets regulated complexity; where domain depth and technical leadership both matter. Customer success, solution architecture, or the space in between.