Insights
Executive perspective on payments, AI governance, open banking, transformation, and value creation.
Featured
Banks may preserve the deposit and lose the depositor
Rejecting stablecoins for a tokenized-deposit-only strategy protects the form of the deposit but risks the customer relationship that creates it. The winning strategy is optionality — a multi-rail platform.
My Son Called Me Lazy for Using AI. So We Started Building Together.
A parent and educator's experiment: instead of restricting AI, we used it as a workshop — and built two apps together, ReadinessIQ and a Chess Trainer.
The Value of AI in Financial Services
Citi's AI disclosures reveal a new value equation — moving the conversation from broad productivity claims to measurable operating economics.
AI Strategy: From Productivity to Value
AI is making your company faster — but is it making you more valuable? Productivity only creates value when it improves returns on capital.
Publications
Getting Started with Open Banking
A business primer for C-suite executives and boards on open banking, open finance, and customer-permissioned data sharing — co-authored and edited for the Financial Data Exchange (FDX).
More writing
The hidden dollar value of job choices
Translating the adjectives we use for jobs — “great culture,” “flexible,” “strong upside” — into real dollars with a conjoint tool that estimates what each trade-off is actually worth to you.
Exponential Executive Productivity with the AI Flywheel
AI is compressing executive work — the real advantage isn't speed, it's delegating more, iterating faster, and focusing human energy on synthesis, judgment, and strategy.