Product
Turning complex technology into experiences that feel obvious — strategy, discovery, and the craft of shipping outcomes rather than features.
Product × Payments × AI
Building the products that move money — and the intelligence that will move them next.
Product leader working across digital payments, fintech and AI — writing about product craft and AI strategy, and building prototypes for what intelligent commerce becomes next.
Live view — intelligent payment graph
02 — What I build
Three disciplines, one system.
Most people work in one of these. The interesting problems live where all three overlap.
Payments
Systems that move money securely and instantly — rails, orchestration, authorization, settlement, and the risk decisions in between.
AI
How intelligent systems and agents change the product itself — from prototyping and decisions to commerce that transacts on your behalf.
03 — The intersection
Where the next decade of commerce gets decided.
Payments made commerce instant. AI is about to make it autonomous. The products that matter next will be designed at the point where product judgment, financial infrastructure and machine intelligence meet.
See how a payment actually works →
04 — How I think
Principles I keep returning to.
Drawn from what I've written and argued for over years of building products and leading teams.
01
Context precedes execution.
Without alignment to customer and company, you're shipping activity — not impact.
02
Clarity of thinking builds confidence in leadership.
Structure is what turns ambiguity into a decision others can follow.
03
Great PMs are decision accelerators.
Avoiding a decision isn't neutrality. It's abdication.
04
Simplicity drives adoption.
The best products win because they feel intuitive, not because they explain themselves.
05
Design backward from outcomes, not forward from requirements.
We used to describe the future. Now we can simulate it before we build it.
06
AI amplifies weak thinking and rewards strong thinking.
When everyone has AI, execution is democratised — insight becomes the scarce thing.
05 — Inside the rails
What actually happens in the two seconds after you tap pay.
Select any step to see who participates, what data moves, and where the money is authorised versus actually settled.
06 — Where this is going
From payments to agents.
Each shift moved a decision away from the human and closer to the system. The next one moves the transaction itself.
Stage 01PaymentsMoney moves. A person initiates every step.
Stage 02Digital PaymentsRails go real-time. The instrument becomes software.
Stage 03 — nowIntelligent PaymentsRisk, routing and recovery become model-driven decisions.
Stage 04Agentic CommerceAn agent assembles the cart and completes checkout inside a conversation.
Stage 05Autonomous CommerceSystems transact within limits you set — consent, not clicks, becomes the interface.
07 — AI Lab
All experiments →
Experiments in what happens when AI becomes the product.
Working prototypes, built to answer a question faster than a document could.
08 — Latest thinking
All writing →
Writing on product, payments and applied AI.
09 — Focus
What I spend my time on.
- Product
- Strategy & craft
- Payments
- Rails & orchestration
- AI
- Applied & agentic
- Leadership
- Mentoring & speaking
Discovery, prioritisation, and building teams that ship outcomes.
Digital payments and banking — where the complexity actually lives.
Using AI to think faster, prototype sooner, and rethink the product itself.
Coaching product managers and writing openly about the craft.
10 — Connect
Build what comes next.
Working on AI, payments, product innovation or the future of commerce? I'm always up for a conversation about where this is heading.
Start a conversation →