Category · essays

Regulatory

PSD2, PSD3 and the PSR, read from the text, wherever they bear on authentication, authorisation, liability and fraud.

  1. № 1 · 08 Jul

    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.

    4 min read
  2. № 2 · 26 Feb
    Regulatory

    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.

    2 min read