...has been replaced by 'Tesco ergo sum' - I shop therefore I am, reflecting the materialistic ethos of our times. Although some consider that a sign of a degenerate society, I see it as a testament to human ingenuity. The number of products that exist for every conceivable need or want is unprecedented. The democratization of technology and easy availability of powerful tools promises to further speed up new product creation.
I love talking product, and focus on financial technology "fintech", and machine learning. I've launched several successful products in payments, accounting, risk management, and financial services. I've enjoyed doing this at early stage companies such as Xero as well as within large companies such as eBay, and Intuit. Feel free to look around the site, and reach out if you wish to connect.
Over 15 years in big and large software companies.
Hiring, and retaining high performing teams.
Love of all things tech, and of getting hands dirty with coding. Casual Python programmer, tinkerer wtih AWS.
Launched several successful products in payments, data aggregation, and interested in lending and risk analysi.
Supply Chain Finance (developing)
When buyers and suppliers are connected to each other via EDI networks, also known as supplier networks, they form natural channels for facilitating payments, and financing. Payment systems sadly continue to be decoupled from actual commerce. The flow of goods and services is represented by documents such as invoices that are then paid via payment Read more about Supply Chain Finance (developing)[…]
Marketplaces payments and PayPal
Marketplaces present unique challenges for payments. These platforms create experiences that promote discovery, search, selection, payments, fulfillment, and dispute resolution. Multiple sellers or providers interact with multiple buyers engaging in pre-sales, sales, and post-sales activities. These result in many to many relationships, which the marketplaces try to standardize so that the buyers form a preferential Read more about Marketplaces payments and PayPal[…]
Invisible Payments and Conversational Commerce
I was reading the Finextra’s report on UK SMEs losing £1.6B by not accepting invisible payments or supporting conversational transactions. So, I had to dig in and find out what these are, and this is what I found Invisible payments – One of the first instances where the term emerges. It refers to a situation Read more about Invisible Payments and Conversational Commerce[…]
Potential for distributed ledger technologies
A report by Her Majesty’s government’s Chief Scientific Advisor sees an opportunity to use DL to reduce fraud, risk, corruption, and cost paper-intensive processes. Another report by Accenture published in Jan 2017, highlights key drivers of savings with blockchain. Blockchain technology could reduce infrastructure costs for eight of the world’s 10 largest investment banks by an Read more about Potential for distributed ledger technologies[…]
Apple Pay Cash
With iOS 11, scheduled for Fall, 2017, Apple Pay Cash is a nice, but quite a tentative step into P2P payments. It is restricted to iMessage and is purely transactional with no history except that in the iMessage itself. Perhaps Apple should send a free iPod or a cheap, stripped down iPhone along with the Read more about Apple Pay Cash[…]
Choosing a Merchant Service Provider – Part Three
This is part three of the series of how to choose a merchant service provider. It deals with the aspects of integration into your business processes. Factor Three: Business Process Integration Your business requires you to interact with your customers in many different ways Front office refers to where you have a direct interaction with your Read more about Choosing a Merchant Service Provider – Part Three[…]
Choosing a Merchant Service Provider – Part Two
This is part two of the series explaining how to choose merchant service provider. It deals with the 2nd factor of which payment types are supported. Factor Two: Payment Types Credit cards/ signature debit cards – These are the most common types of payments that merchant services support. Signature debit cards are the same as credit Read more about Choosing a Merchant Service Provider – Part Two[…]
Need for Artificial Intelligence in Automotive and Industrial Repair
We DIY-ers have all been here. It is the weekend, you’re relaxing in front of TV while the laundry load is in. You’re looking forward to getting a tennis game in the afternoon once the laundry is done, when the washer starts beeping, stops working and keeps flashing an error code. You tell yourself Read more about Need for Artificial Intelligence in Automotive and Industrial Repair[…]
Choosing a Merchant Service Provider – Part One
In the market for a merchant service? If so, you may find the following useful. What should be a relatively straightforward process of selection based on fees and features instead is a nightmarish walk through a minefield of hidden fees, deceptive sales practices, and poor customer service. Hopefully, this article will help mitigate some of Read more about Choosing a Merchant Service Provider – Part One[…]
I will be speaking at Money 2020 alongwith Richard Kimber of OFX. I’d love to see you at our session on Monday, 10/24 at 10:50 am. We will be speaking about how OFX and Xero have worked together to realize the financial web vision, bring small businesses closer to financial services, which are proven to Read more about Money 2020[…]