
How did payments infrastructure hold up in the midst of war?

The rise of stablecoins and the startups poised to capitalise

Fintech is getting messier

The state of Monzo in 2026

What resonated and why

Unlocking millions of crypto users for PSPs

Understanding Curve’s business model, how Visa and Mastercard reacted, and the innovation that followed.

Eleven Ways That Apple Pay Changed Payments — Part 2

Thoughts from 15+ years in the industry and why I'm relaunching this newsletter

Core Impacts From Eleven Years of Apple Pay (2014-2025)

Taking AI from theory to practice in payments

Monzo and Nubank eye the US; Stripe's reading obsession; Is BNPL driving a new debt culture?

The unstoppable rise of modern Poland (and its mobile payments)

How to save £3m+ in payments acceptance costs

Marketing that doesn't feel like marketing

The new geography of digital money is fracturing the global economy

In conversation with Finmo's CEO, David Hanna. And weekend reading review.
Augmented reality, China's Five Little Dragons, and the new paradigm

The emerging market payment trend that's reshaping how businesses get paid

How stablecoins are going mainstream

Why some banks are betting on blockchain to deliver real-time payments

Looking at the interchange business model in Europe, how credit card rewards are funded, and why American Express is different

Despite ESG losing favour, sustainability schemes offer real world change, and payment tech can play a role too

What can payments companies learn from tech successes and failures?

A curated look at what's been going on in payments and fintech

Despite the headwinds BNPL is here to stay

Some reflections so far

Payments will be enhanced with new rails for a new era

The world is changing fast is Europe keeping up?

Reflecting on 2024 and looking ahead to 2025

It's getting easier to Pay By Bank

Understanding the world of UK fintech outside London

Do form factors even matter when they change so quickly?

Notes from Singapore, Malaysia and Indonesia

Analysing the UK's neobanks

How neobanks do it better

Global mobile payments are making an impact

Changing consumer behaviour isn’t easy

When Can I Pay With My Ray-Bans?

What are they and what do they do?

Innovation in the informal banking sector has led to growth in products and services for the unbanked

There's no better way to reach a large global audience than sports sponsorship

Did Apple made payments cool?

Learning from experts on how to implement AI in financial services

Mastercard's strategy to make it easier to pay online

On the rise of first party fraud

Creating new payment mechanisms for consumers is hard work
When inflation is high, dollar based assets are in high demand
How SNBL delivers instalments without credit and a Q&A with South Africa's LayUp
Interchange fee reductions don't always benefit everyone but some win big
More and more payments are now accepted directly via mobile phones
Mobile wallets as global soft power (part 1)
Remembering what it feels like to use notes and coins again
Exploring payment habits in the land of the rising sun. Taking a look at how people pay for goods & services, the role of culture, and the impact of technology.
In a world of lifelong learning, eduction will evolve to offer new possibilities
As we become more cashless by the day, card payments are now critical infrastructure
Several long-term trends have accelerated this year and will continue into 2024
Technology brings new expectations for staff, businesses and consumers

India's tech stack is building innovative payment solutions at home and abroad
Even when travelling we notice payments everywhere
Taking a look at the business model of credit card rewards. Highlighting some key differences present in the USA, the UK, and Indonesia.
What can businesses do when their payment provider fails?

Embedding payment processing inside mobile banking apps is a key opportunity

Mobile technology and app-stores transform distribution for payments companies

Technology can help businesses and consumers be more sustainable