Early Paper Predicted Today’s Ambient Financial Accountability
Wow. Ten years ago. Birch, D., Brown, R. G., and Parulava, S. (2016). "Towards ambient accountability in financial services", Journal of Payments Strategy & Systems 10(2). https://t.co/HQRpD3fj8A https://t.co/Hpv4NOqOgE
Practical Payment Innovations Target Real‑World Impact at MPE2026
Getting the afternoon underway at #MPE2026 in Berlin with a discussion about areas where practical innovation in payments might produce decent results. https://t.co/kb8dX1tuWo
AI-Driven Payments Reshape Traditional Finance and European Sovereignty
Two sessions today at #MPE2026 with my @chyppings hat on: Agentic Commerce & Payments - AI-to-AI payments and what this new frontier means for 'traditional' players. Payment Acceptance: Sovereignty & Geopolitics - Resilience, regulation and Europe’s payment sovereignty agenda.
Stablecoins Evolve: Stripe, PayPal Signal Next‑Gen Finance
This afternoon at #MPE2026 I’ll don my @chyppings hat to explore the history and trajectory of stablecoins, and what the recent moves by Stripe, PayPal and others signal for next-gen financial services in 'Stablecoins – Quietly Going Live'. 📍 17 March...
Wirecard Warned Us—Are We Finally Spotting Red Flags?
#FlashbackFriday In 2020, I suggested Wirecard wasn’t an anomaly but a preview. Have we learned to spot the red flags yet? https://t.co/X77GE1HPPS Yesterday’s future. Progress optional. #Fintech #CorporateGovernance #RiskManagement
AI Vulnerable to Social Engineering‑Style Deception Tactics
New on the not-a-newsletter... The Problem is Steve from Accounts ($$$) https://t.co/omSd1tEjla Traditional social engineering preys on trust, fear, and urgency. AI lacks psychology, at least as far as I know, but it can and will be exploited through analogous deceptions. https://t.co/y7CZrIEs8R
Banking Apps Leaked Other Customers' Transaction Details
Lloyds, Bank of Scotland and Halifax apps showed customers other users' transactions https://t.co/eOyyiGggxP Can an informed person explain what actually went wrong here? I am so curious https://t.co/RE7RR6W41z
Know Credit Card Rate Caps: History Shapes Pros and Cons
There are pros and cons to credit card interest rate caps, but either way it is important to understand the history of the industry. https://t.co/GGEbpz5jBU
Dutch Telecom Hack Exposes Millions of Personal Records
Hacking group begins leaking customer data in Dutch telecom Odido hack https://t.co/byTVBOsAmS "The theft… included names, telephone numbers, e-mail addresses, bank account numbers, birth dates and passport numbers." Every day, in every way, it gets worse. https://t.co/DSdcBeqfD7
Cabinet Revolt Stalls Starmer's Digital ID Initiative
Cabinet revolt deals fresh blow to Starmer’s digital ID scheme https://t.co/zEruHhoJwo Scheme is probably a strong word, in the circumstances. I think it was more of a digital identity notion, really. https://t.co/5CrtaAkTco
ID Card Debate: Expert Insights on Government U‑Turn
It was great to be invited to share my thoughts on @TechTVL’s programme on ID cards. Despite the governments u-turn this is a must-watch episode: https://t.co/nq5lBQUzsx https://t.co/rtUOJd8frY
Stablecoins Embedding Across Finance, Industry Can’t Ignore Them
The money is the message and it’s one the industry can no longer ignore. Stablecoins are quietly embedding themselves across merchants, PSPs, acquirers, and fintechs, I shared how for January's edition of MPE Magazine: https://t.co/FOKaPjk2h6 @mpecosystem https://t.co/YMkiMaU790
Tokenisation Is Finally Reshaping Markets as Predicted
#FlashbackFriday In 2020, I argued that tokenisation would remake markets, with public and private money becoming digital assets on shared rails. We seem to be edging that way. https://t.co/Hx9fOy0aBT Yesterday’s future. Progress optional.
Swedish Central Bank Urges Cash Hoarding Amid Payment Risks
Swedish central bank urges public to horde cash in case of payments disruption https://t.co/ckNfNUQsve "The Riskbank is currently working on improving the possibility of making offline payments by card to strengthen resilience." https://t.co/yLYmWsDoh0
Exploring Money's Past, Present, and Future on Themelia
I had a thoroughly enjoyable conversation with @Jessica Ellerm on the @ThemeliaApp podcast. If you’re interested in the past, present and possible future of money, you might enjoy the full discussion: https://t.co/B7i9sKF81G https://t.co/4uk0xAjmVe
Counting Down to MPE2026: Join Us in Berlin
14 sleeps until #MPE2026 with my @chyppings hat on! Join me in Berlin: https://t.co/9CufQZHi6S Move payments forward, #MPE2026 is your place. @mpecosystem #Payments #Fintech #MPEBerlin #ILoveMPE https://t.co/RUvU7kFcyZ
Banks Miss AI Mark: Rethink Your Strategy
Excited to be speaking at the NextGen Payments & RegTech Forum in Zurich next week, exploring why many financial institutions are missing the mark in my keynote 'Your Bank’s AI Strategy Is Wrong.' Register here: https://t.co/xTKmiFTVt8 https://t.co/nY4oh47Y7A
PayPal’s Bitcoin Play Forecasted PYUSD’s Payments Shift
#FlashbackFriday In 2020, I said PayPal’s Bitcoin move wasn’t about Bitcoin at all, but about positioning for a very different payments landscape. PYUSD has since filled in the blanks. https://t.co/IryLfol0XZ Yesterday’s future. Progress optional. #Stablecoins #Paypal #PYUSD
Decouple Payments From Credit with New Technology
New on the not-a-newsletter... The Cap Fits https://t.co/1SFmSdzq9b Maybe it’s time to rethink credit cards and use all the options provided by new technology to decouple the payment system from credit. https://t.co/auLNZL8z9W
Last Call: Submit Future of Money Designs by Next Week
Entries close next week - FOM 2026 The Future of Money Design Awards give creative thinkers the opportunity to present thought-provoking concepts on money and payments to financial experts and industry leaders. Full brief and submission details 👉 https://t.co/p26tR8lKQA https://t.co/YnTlAM64wt
Stablecoins Silently Infiltrate Merchants, PSPs, and Fintechs
Stablecoins are quietly embedding themselves across merchants, PSPs, acquirers, and fintechs, I shared how in January's edition of MPE Magazine: https://t.co/2i4ZQzcko7 @mpecosystem https://t.co/L0WnRe9iGB
Bots, Not Literacy, Should Drive Public Financial Health
It's a waste of time and money trying to teach financial literacy to disinterested consumers, a better way to increase the overall financial health of the public would be to get bots to deal with the finance sector for them. https://t.co/m7Cd6D5VNz...
2026 Identity Fraud Targets Precise, Not Broad Attacks
This Week in Fraud (2/17) https://t.co/DeKt9G8P3d "2026 identity fraud is more sniper than shotgun" Great stuff from Nick. https://t.co/eNakT4O4Fd
Hosting Roundtable at CB Payments Conference, Istanbul March 2026
Excited to be hosting a roundtable discussion at The Central Bank Payments Conference in March with my @chyppings hat on. 🗓️ 23-25 March 2026 📍 Istanbul, Türkiye Save your spot 👉 https://t.co/ou7GKep6K1 @CurrencyResearc #CBPC @Chyppings @Fimenews https://t.co/eYUnBR6CQT
Venmo Lags Zelle as Banks Outpace Innovation
Venmo falls further behind Zelle https://t.co/qIyIwXmCFq "This is a useful tale to counteract some of the doomsaying about banks and innovation. When they try collective action, banks often win, but cooperation doesn’t come naturally." Word. Now do ID. https://t.co/ahiMlNMmux
Agent Economy Bottleneck Shifts From Intelligence to Identity
New on the not-a-newsletter... KYA Now https://t.co/QX96zNPFUt Sean Neville, co-founder of Circle, was quoted in A16Z’s “17 things we’re excited about for crypto in 2026”. He said that the bottleneck in the agent economy “is shifting from intelligence to identity”. https://t.co/eUPxXe5X4K
Get Identity Right, Then Everything Improves Easily
If you want to make things better, start with identity. Get identity right, and everything else becomes easier to improve. Full episode on FF News 👉 https://t.co/aL2XcVsYco https://t.co/YMfPYiOiI1
Bitcoin's Ideals Clash with Flaws, Alternatives Uncertain
Welcome to the dark side… https://t.co/uYC7hg83ta ...bitcoin’s original purpose of enabling anyone to transact freely outside the reach of purportedly corrupt governments. Yet the network’s problems suggest that an alternative financial system might not be much better." https://t.co/YpZDvUIK20
Banks’ AI Strategies Miss the Mark, Says Expert
Join me in Zurich at the NextGen Payments & RegTech Forum next month. I'll explore why many financial institutions are missing the mark in my keynote 'Your Bank’s AI Strategy Is Wrong.' https://t.co/XIQySs0LfD @qubevents #RegTech #Qubevents #NextGenPayments #Zurich https://t.co/RqffMqTRZS
Join Me in Berlin to Advance Payments at MPE2026
Counting down the days to #MPE2026 with my @Consult Hyperion Hat on! Join me in Berlin: https://t.co/COnbfNb691 Move payments forward, #MPE2026 is your place. @mpecosystem #Payments #Fintech #MPEBerlin #ILoveMPE https://t.co/XpEOPoPtB3
Speaker Offers €200 Discount for Money2020EU Pass
Excited to share that I'll be speaking at #Money2020EU with my @Consult Hyperion hat on! Use my code JOINME200 to save €200 on your Standard Pass: https://t.co/MpGoPFY3N2 https://t.co/kDNnslNTan
Fintechs Must Prioritize Financial Health Over Services
#FlashbackFriday | In 2020, I argued that fintechs should stop selling financial services and start selling financial health, this wasn’t a buzzword, but a different way of thinking about the financial sector itself: https://t.co/bL1ZTqv4Uf Yesterday’s future. Progress optional. https://t.co/s7x485LBB3
User‑centric Design Key to CBDC Resilience, Says IMF
"CBDCs... most significant resilience potential lies in user-centric design features, including offline functionality, flexible front-end solutions, and programmability for crisis response" Not my words. The IMF. https://t.co/aauwvtxTG8 https://t.co/O4sEWC2AN2
Europe Needs a True Safe Asset for Financial Sovereignty
Europe’s best bet for financial sovereignty is a true safe asset https://t.co/RSxLjLtB5u "A European safe asset would complete the long-overdue EU financial architecture: a savings and investment union... and a credible euro-denominated stablecoin market." https://t.co/LgAAIH6tb6
Stablecoins Reveal New Gresham’s Law: Good Money, Bad Payments
Noelle is _always_ worth reading, but today is especially good Stablecoins and the new Gresham’s Law https://t.co/OPJ4BdgNVj "So, the US ended up with a system of good money, bad payments." https://t.co/B0xMfEdzHl
Mystery: How Did Exchange Acquire 620,000 Bitcoins?
The story is funny, yes, but it left me wondering - where did the exchange get the 620,000 bitcoins from in order to incorrectly send them out? https://t.co/P23ERkGl2R
Make Machine Identity a First-Class Concern
Doubleplus good snapshot of where we are and what we need to do... KeyFlux | Trust Infrastructure https://t.co/BagFR3amVx "What Actually Works Treat machine identity as a first-class problem. Not an afterthought bolted onto service accounts." https://t.co/qc8L7FI6bh
Banks' AI Strategies Miss the Mark, Says Speaker
Excited to be speaking at the NextGen Payments & RegTech Forum in March. I'll explore why many financial institutions are missing the mark in my keynote 'Your Bank’s AI Strategy Is Wrong.' To register and access the full agenda: https://t.co/XIQySs0LfD @qubevents https://t.co/kTlwtWVXVs
Must‑Watch: Expert Discusses ID Card Debate Amid Government U‑turn
It was great to be invited to share my thoughts on @TechTVL’s programme on ID cards. Despite the governments u-turn this is a must-watch episode: https://t.co/bGJ8lpzaRS
Digital IDs Unite Identification, Authentication, and Authorization
The Promise of Digital Identities (IDs) https://t.co/ZELeCaUzpS "A digital ID combines the three pillars of secure transactions—identification, authentication, and authorization". Not my words, the Feds. Well, to be fair, my words too. Albeit some time ago. https://t.co/aTC5u5N9wx