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Six lenses on the systems most fintechs pretend aren’t there.

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43 essays

Behavioural Science

13 13 essays · view all →

Regulatory

12 12 essays · view all →

Payments

10 10 essays · view all →

AI & Automation

7 7 essays · view all →

Banking Technology

7 7 essays · view all →

UX & Design

3 3 essays · view all →

Behavioural Science

How do humans actually make financial decisions, and why do we so often act against our best interests? This collection examines the cognitive biases, psychological triggers, and environmental factors that shape our relationship with money. Drawing from behavioral economics, psychology, and finance, these articles decode the hidden patterns in financial decision-making, from impulsive spending to investment hesitation. Discover insights on how financial systems can be designed to work better.

13 essays
Regulatory

Financial regulation shapes every aspect of how money moves in the modern economy. This collection examines regulatory frameworks like PSD2, Open Banking, and consumer protection mandates, analyzing their impact on innovation, competition, and user experience. Beyond compliance, these articles explore how regulation can be a catalyst for positive change, innovation vs. consumer protection, and how financial institutions can navigate complex environments while delivering exceptional experiences.

12 essays
Payments

Explore the evolving landscape of payment technologies and consumer behaviors - from traditional card transactions to Buy Now, Pay Later services. This collection examines how payment methods influence spending decisions, the psychology behind financial choices, and the design principles that shape transaction experiences. Whether you're interested in the mechanics of modern payment rails or emerging payment innovations, these insights help decode how money moves in the digital economy.

10 essays
AI & Automation

Artificial intelligence and automation are transforming financial services from back-office operations to customer-facing products. This collection explores the opportunities and challenges of AI in finance - from algorithm-driven lending decisions to automated financial advice. These articles examine the technical foundations of financial AI systems, their impact on consumer behavior and trust, and the ethical considerations around automated financial decision-making.

7 essays
Banking Technology

Banking is undergoing its most significant transformation since the introduction of ATMs. This collection examines how APIs, Open Banking initiatives, and embedded finance are redrawing the boundaries between financial institutions and reshaping consumer expectations. From technical deep-dives on authentication standards to strategic analysis of banking ecosystems, these articles provide context on how technology is redefining what it means to be a bank in the digital age.

7 essays
UX & Design

The intersection of design and finance presents unique challenges & opportunities. This collection explores how user experience design shapes financial behaviour, builds trust, and influences decision-making. From the psychology of friction in payment flows to the ethics of persuasive design in financial applications, these articles examine how thoughtful design can lead to better financial outcomes. Discover principles for creating financial interfaces that balance convenience with engagement.

3 essays