Insights
Perspectives on AI, payments, and financial infrastructure. From someone who has built and operated these systems.
- May 2026
Your AI Spend Just Hit the P&L. Can Your CFO Answer These 12 Questions?
A diligence list for the boardroom: 12 questions every CFO should be able to answer about their company’s AI program before the board asks them first.
- April 2026
Simulation as a Software Primitive
An applied research thesis. Why agentic AI products need a runtime layer between model output and real-system mutation. And why financial services will be the first place this becomes obvious.
- April 2026
The Research Behind Our Compliance Scenario Generator
The hard problem in synthetic compliance data isn’t the rule packs. It’s producing test data that can walk into a regulator’s office without embarrassing anyone. How we adapted the Simula framework for the job.
- February 2026
Visa Built the Agent Checkout Layer. Most Banks Don’t Know Yet.
Visa shipped the Trusted Agent Protocol. Google launched AP2. Most banks have no strategy for authenticating, authorizing, or auditing agent-initiated transactions. The infrastructure layer for autonomous commerce is being laid right now.
- January 2026
The GENIUS Act Passed. Here’s What Banks Actually Need to Do.
The legal door to bank-issued stablecoins is open. The gap between regulatory permission and operational readiness is enormous, and most banks haven’t crossed it.
- December 2025
Your Bank’s AI Vendor Just Turned Off Its Best Feature. Here’s Why.
Bank CTOs keep telling me the same story: pilot succeeds, then compliance asks the vendor to disable the AI features for production. This isn’t a technology failure. It’s a governance failure.