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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.

A winding blue river cuts through steep moss-covered cliffs in Fjaðrárgljúfur canyon, Iceland.

The Consistency Principle in Digital Products: Why Small Interactions Matter More Than Big Features

In nature, the most dramatic transformations often come from consistent forces rather than sudden events. Rivers carve canyons not through violent floods, but through persistent flow. The same principle applies to digital products.

The Engagement Problem: Designing Automation That Keeps Humans in the Loop

The Engagement Problem: Designing Automation That Keeps Humans in the Loop

In The Automation Paradox, I explored how financial automation risks disengaging users. This follow-up examines how automation can enhance, rather than replace, human judgement—ensuring users remain active participants in decision-making rather than passive observers.

The Automation Paradox How Smart Banking Features May Be Making Us Worse with Money

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.