Fintech strategy & why it matters • Payments Product Leader • Advisor @Pay2Z • Founder @ClearAccept • Exits Metacharge, WePay • Built multiple active PSPs
London, UK
Joined July 2009
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Sad news that Nigeria's #BNPL @UseKlump, who raised $1.2m seed, shut down after 5 years. Switched to multi-lender model but found bank integrations and support slow going - despite #banks learning from experience. Recent exit talks also fell through. techpoint.africa/news/klump-…
In the UK @Revolut is dialling up its push towards bank economics by launching personal loans from £2,000 to £25,000 - #credit playbook that it'll need to drive RoE growth & leverage via customer funds, expanding #banking beyond historic subscription fees. cityam.com/revolut-to-take-f…
Mexico's anti trust regulator @AntimonopolioMX launch investigation into electronic #payments and vouchers market for #merchants after complaint about anti-competitive behaviour. @BBVA_Mex & @SantanderMx are dominant acquirers, @EdenredMexico in vouchers. chambers.com/articles/cna-op…
After €21.5m fine last year for AML failures, now Ireland central bank @centralbank_ie fines @coinbase a further €4.6m (discounted to €3.25m) for 5 year breach of its #Emoney licence - improper safeguarding of funds & inadequate outsourcing to parentco. centralbank.ie/news/article/…
Ahead of rules coming into force in January, US financial regulator @USOCC clears last hurdle for its #stablecoin permissions as part of GENIUS act. A final ruling covers requirements for approved coin issuers for #payments, including overseas issuers. occ.gov/news-issuances/news-…
.@Mastercard get a clock radio! @Visa get a clock radio! Great success! 🙌 (if reports that Visa are advanced in a $2.5bn deal to buy @FireblocksHQ are to be believed, the neighbours are back at it...) lnkd.in/p/eaABnJNT
Legendary #ecommerce #marketplace @eBay is set to axe 1000 jobs (9% of their global workforce) per leaked memo. Had previously cut 800 roles (6% of workforce) in just February as part of ongoing re-structuring. It comes ahead of Q3 results due next week. retailgazette.co.uk/blog/202…
After falling just short of Q3 earnings expectations, UK bank @Barclays has announced it'll cut 5% of its global workforce (5000 people) during Q4. The results miss is in the investment #bank, the solve is via #AI replacing "support" functions. cityam.com/barclays-profit-m…
SMB #Payments provider @Square moves to @marqeta to power @AmexBusiness credit card for #merchants - first launched in 2023. Pity Square doesn't put as much energy into basic things like #merchant support, which is beyond hopeless by all accounts! investors.marqeta.com/news-r…
Latvia is making a push to rival Lithuania in enabling regulated EU #Fintech businesses. The Baltic country, via its financial regulator @LatvijasBanka, has already issued 20 licenses in 2026, increasing claims to be an EU gateway for compliant Fintechs. thefintechtimes.com/latvia-i…
Enterprise #payments giant @Checkout announces a long awaited move into POS #payments - partnering European rival @MolliePayments for hardware support. Is it as simple as to call this Checkout + Mollie ganging up on @Adyen for top of market #omnichannel? checkout.com/newsroom/checko…
I mean it's literally in the name mate, Primary Account Number. 😆 The best time to think about having a separate public reference ID was 25 years ago (and the next best time is now). But tokenisation is increasingly negating this.
Unfortunately legacy core banking systems generate all these templates - and in those systems the PAN is still the primary key for an account so necessary to denote what the correspondence refers to. 🫣
Norway #AI hackathon winners Jenz raise half a million pre-seed after just four months - for #platform ready to replace #merchants entire #commerce back office via dedicated AI agents that fulfil templated roles across operating schedule. Plans UK launch. tech.eu/2026/10/21/jenz-land…
Enterprise #payments platform @Checkout expands its partnership with electronics giant @Samsung - running global and local acquiring and acceptance optimisation for them worldwide, while enabling @SamsungPay for all Checkout existing #merchants in return. checkout.com/newsroom/samsun…
According to @BuzzFeed a social media post mockingly asking "you use a debit card at 31 years old?" is sparking a US vs UK debate on the merits of different #payment types. In a post-MIF caps & #BNPL world it's pointless trying to compare both markets. buzzfeed.com/beccamonaghan/d…
Founder and former CEO @AnneBoden sells remaining 2.7% stake in @StarlingBank for £1.7bn - 12 years after creating the UK #bank. Focussing on new AI #banking #startup project. cityam.com/starling-founder-…
#Bank outages in the UK - @Revolut and @HalifaxBank among them - put down to @googlecloud downtime. ft.com/content/c88b07df-d30e…
