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Matt Berryman

Payment security executive. Specialist in authentication, 3-D Secure and regulatory compliance. Former startup founder, now balancing enterprise solutions with family life in the New Forest.

AI Governance in Fraud Detection

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.

No Regrets? How AI Is Changing Business Decision-Making

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.

The Cost of Second-Guessing: How Businesses Manage Their Own Regret

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.

Regret Minimisation: How Payment Platforms Engineer Your Decisions

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.

A NASA photo of the Gulf of Mexico, United States taken from the Space Station in December 2015.

The Fragility of Transatlantic Data Transfers

As digital commerce grows increasingly global, the legal frameworks governing data transfers across borders have never been more important. Yet these frameworks remain surprisingly fragile, especially between the EU and US.

From Confusion to Exclusion

From Confusion to Exclusion

Clear communication in banking isn't just about customer service—it's about enabling confident participation in the modern financial world.

When Systems Fail: The Hidden Impact on Financial Inclusion

When Systems Fail: The Hidden Impact on Financial Inclusion

The Treasury Committee's investigation into Barclays' January outage reveals a critical but often overlooked relationship: the connection between operational resilience and financial inclusion.