Most writing about payments regulation is either marketing or a summary of someone else's summary. By the time a provision reaches a briefing note it has usually passed through three hands, and the errors compound quietly: a date repeated from an earlier draft, a carve-out that no longer exists, an article number that moved in trilogue.
Transaction Intelligence works from the legislation itself, alongside the supervisory notices, the enforcement decisions and the standards documents. Where a claim rests on secondary commentary, that is stated. Where the primary text is ambiguous, that is stated too. Where something here contradicts the prevailing view, the citation is in the piece and you can check it.
That makes for a narrower output than a trade publication, and a slower one.
What it covers
Six categories, weighted towards the first two:
- Regulatory — PSD3 and the Payment Services Regulation, DORA, FiDA, and the enforcement record
- Payments — authentication, 3-D Secure, the schemes, and the operational reality of moving money
- AI & Automation — model-driven change in fraud, risk and authorisation
- Banking Technology — the unfashionable infrastructure most of finance runs on
- Behavioural Science — how people actually behave around money
- UX & Design — where service design meets the awkward parts of money
Who writes it
Matt Berryman. Fifteen years in payments authentication, fraud risk and pre-sales, across issuers, schemes and vendors.
I also build and maintain two open reference resources:
- paymentslaw.eu, a structured corpus of EU payments legislation with explicit legal status labelling, and
- 3dsspec.com, a reference for the EMV 3-D Secure specifications. Both exist because I needed them and could not find them.
This is a personal site. Nothing here is written on behalf of any employer, client or vendor, and nothing here draws on confidential or non-public information. It is analysis of the public record.
Nothing here is legal advice.
The newsletter
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Contact Information
- Email: hello@transactionintelligence.net
- LinkedIn: @mattberryman