All essays
A complete chronological record of everything published on Transaction Intelligence.
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№ 1 · 08 Jul
4 min read
Monzo's £21 Million Fine: A Systems-Thinking Post-Mortem
Monzo's £21 million FCA fine reveals a fundamental truth about scaling: product engines grow exponentially while compliance scales linearly. When growth and risk controls diverge, you're not building a business—you're building a time bomb.
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№ 2 · 28 Jun
5 min readAI & Automation
When Claude Ran a Shop: Lessons in AI Autonomy and the Future of Work
Anthropic let their AI run a shop. It failed magnificently—giving away discounts, selling at a loss, and having an identity crisis. Yet this disaster might be the clearest signal yet of how AI will transform work: not by replacing humans, but by orchestrating them at unprecedented scale.
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№ 3 · 02 Jun
5 min readPayments
The Customer Lifecycle Leader: Why Your Next VP Should Own Presales to Renewal
The artificial silos between Presales, Professional Services, and Customer Success are killing enterprise software companies. Here's why your next VP should own the entire customer journey and how to make it work.
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№ 4 · 28 May
3 min readPayments
Not the Whole Story: How Zero-Sum Thinking Distorts Payment Innovation
Zero-sum headlines declare “cash is dead” or frame BNPL as a credit-card killer. Fresh UK Finance data tell a different story: contactless, cash and BNPL are all growing; layered, not cannibalised. Here’s why clinging to win-lose narratives skews product bets and policy debates.
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№ 5 · 14 May
3 min readBehavioural Science
The Price of Free: How Invisible Costs Shape the Digital Economy
“Free returns”, “free trials”, “zero‑interest payments”; the web is built on frictionless promises. Yet every convenience carries a bill that someone, somewhere, eventually pays.
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№ 6 · 12 May
3 min read
Patience Pays: Warren Buffett’s Last Lesson to an Impatient Market
Warren Buffett is handing Berkshire’s reins to Greg Abel, but his most powerful idea endures: markets quietly move money from the restless to the steadfast. In a world where the average share is held for mere months, patience remains the rarest, and richest, edge.
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№ 7 · 09 Apr
2 min readBehavioural Science
The $54 Lesson: What Vaccines Teach Us About Good Decisions
A recent Economist article highlighted an astonishing 54-to-1 return on immunisation programmes. But what does that tell us about how we make, and evaluate, good decisions?
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№ 8 · 27 Mar
8 min readBehavioural Science
Decision Journals: The Missing Link Between Frameworks and Results
Most frameworks fail not because they’re flawed, but because we never revisit the decisions they shape. Decision journals close that loop—bringing accountability, calibration, and a culture of truth-seeking to product and strategy teams.
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№ 9 · 11 Mar
3 min readRegulatory
AI Governance in Fraud Detection
As AI-powered fraud detection grows more capable, the regulatory landscape is shifting. Financial institutions must meet new explainability and governance standards that will transform how they select, deploy, and monitor fraud prevention systems.
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№ 10 · 07 Mar
4 min readBehavioural Science
No Regrets? How AI Is Changing Business Decision-Making
AI is reshaping business decision-making, promising to minimize regret in fraud detection, pricing, and customer retention. But as companies optimize away uncertainty, who owns the regret when AI gets it wrong? This article explores how AI shifts responsibility and what it means for consumer trust.
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№ 11 · 05 Mar
4 min readBehavioural Science
The Cost of Second-Guessing: How Businesses Manage Their Own Regret
Regret shapes how businesses and consumers make decisions. But while individuals fear buyer’s remorse, companies worry about fraud, pricing mistakes, and missed opportunities. Striking the right balance is vital; overcorrecting in one direction means lost revenue, while too much risk damages trust.
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№ 12 · 03 Mar
4 min readBehavioural Science
Regret Minimisation: How Payment Platforms Engineer Your Decisions
The digital marketplace isn't just selling products—it's engineering emotions. Behind every checkout page and "limited time offer" lies a sophisticated understanding of our deepest purchasing anxiety: the fear of making the wrong choice.