All essays
A complete chronological record of everything published on Transaction Intelligence.
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№ 1 · 10 Feb
UX & Design2 min read
The Automation Paradox How Smart Banking Features May Be Making Us Worse with Money
Smart banking features promise to streamline our finances through automation and clever defaults. But are we sacrificing financial awareness for convenience? Explore the tension between automated money management and mindful decision-making in personal finance.
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№ 2 · 07 Feb
Payments3 min read
The Psychology of Modern Payment Choices From Cards to BNPL
How do payment methods influence our spending decisions? From the psychological distance created by card payments to the sophisticated mechanisms of Buy Now, Pay Later services, this article examines the hidden forces shaping our financial choices.
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№ 3 · 03 Feb
Behavioural Science3 min read
Seeing Around Corners Developing Second-Order Thinking
When Amazon introduced one-click purchasing in 1999, it seemed like an obvious win. Reduced friction, higher sales. But the ripple effects continue to reshape retail in unexpected ways, from return fraud to changing consumer psychology. Welcome to the world of second-order thinking.
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№ 4 · 31 Jan
Behavioural Science3 min read
Consistency Over Intensity: The Hidden Power of Small Actions
As January ends, packed gym classes thin out, with 80% of New Year's resolutions already abandoned. While we celebrate dramatic transformations, we overlook a far more powerful force: consistency. The science shows that small, regular actions trump sporadic bursts of intense effort.
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№ 5 · 27 Jan
AI & Automation2 min read
Deepseek & AI Investments
Last Monday, DeepSeek, a Chinese AI research laboratory spun out of a quant trading firm, released a preview of its latest language
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№ 6 · 08 Jan
AI & Automation3 min read
AI: State of Play 2024
2024's AI landscape saw intense competition displace GPT-4's early lead, while multi-modal capabilities and platform integration expanded. Despite advanced features, widespread adoption remains limited. Breakthrough applications await as hardware costs fall and integration deepens.
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№ 7 · 14 Nov
Behavioural Science3 min read
Making Good Decisions
Explore practical frameworks for better decision-making, from understanding operating environments to effectively communicating choices. Learn how structured approaches can set you up for success in both personal and professional contexts.
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№ 8 · 18 Apr
Behavioural Science1 min read
Boring is Good
In uncertain times, dependable partners who deliver on commitments without drawing attention become invaluable. For service providers, being 'boring' might be the highest compliment—it means you're doing your job flawlessly.
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№ 9 · 20 Oct
Banking Technology7 min read
Behavioural Biometrics
Discusses the challenges faced by European Issuers in their goal to deliver a compelling customer experience while also satisfying the overlapping requirements of the EBA, their local regulators and the card scheme guidance.
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№ 10 · 24 Aug
Banking Technology2 min read
Going ‘All In’ with Broadcom
Returning to Broadcom's Payment Security team reminded me how rare it is to contribute to solutions affecting millions of people daily. I've also transformed my blog infrastructure to match my career journey.
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№ 11 · 08 Apr
Banking Technology3 min read
Thriving in the Open Banking Ecosystem
At the recent Open Banking Excellence event, I heard that the average bank offers around 300 products across their customer base. In
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№ 12 · 05 Mar
Payments3 min read
Learning to ❤️ My PIN
With Strong Customer Authentication (SCA) reshaping online security, how can banks balance security with customer convenience?