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Insights on building, scaling, and enforcing real-time decisions in modern data-driven systems.
If you walked the floor at Money20/20 in Las Vegas last month, you heard three conversations on repeat: agentic AI, payment fraud, and stablecoin rails. I spent much of my…
3.4 million people in Ireland couldn’t get their money Early on Tuesday 20 October a power failure in one of Google Cloud’s London zones, europe-west2-b, knocked Revolut over. Card payments,…
I spent most of TM Forum Innovate Americas in Dallas on October 6-7, 2026, in back-to-back meetings and missed nearly every keynote. The hallway made up for it. In almost…
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Three Tracks, One Bottleneck: What Money20/20 Revealed About Real-Time
If you walked the floor at Money20/20 in Las Vegas last month, you heard three conversations on repeat: agentic AI,…
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If one cloud region can take you down, you were never redundant
3.4 million people in Ireland couldn’t get their money Early on Tuesday 20 October a power failure in one of…
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Agents propose, something deterministic decides: closing the AI evidence gap in autonomous networks
I spent most of TM Forum Innovate Americas in Dallas on October 6-7, 2026, in back-to-back meetings and missed nearly…
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Beyond the Network: The Real-Time Payment Realities Banks Face in 2027
Sibos 2026 was a week about the network. For me, the most important number of the week was about the…
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Fraud losses are up 430% since 2020. The window to stop them has not grown at all.
Key takeaway Reported consumer fraud losses reached $15.9 billion in 2025, up nearly 430% since 2020. The biggest losses come…
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The Systems Gap: Why the Model Is Rarely the Problem, and the Gap Between Systems Is
Fraud losses keep rising despite record investment in detection, because in most financial services stacks the systems that hold state,…
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How Fast Is VoltDB in Reality? The TPS Pitfall
Why “how many transactions per second?” is the wrong first question, and what real-world PoC data tells us about VoltDB…
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When late is wrong: Charging at real scale
I spent the best part of a decade building online charging systems before I joined Volt, and I'll let you…
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Shiny Object Syndrome: Separating Real Fintech Value from Demo-Stage Hype
FinovateFall wrapped in New York last week: three days, dozens of live demos, and an agenda dominated by AI in…
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What Turns an Agentic AI Recommendation Into an Automated Network Decision?
In June, in the middle of the World Cup, Jai Rajaraman of Ocient and I presented a webinar with STL…
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The Decisioning Layer in Financial Services: Why a Late Decision Is a Wrong Decision
The gap nobody budgets for Financial services has never been better at detecting fraud. Models are accurate, scores arrive in…
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The Kafka Tax: Where Cost, Complexity, and Latency Add Up When You Do Not Need the Full Cluster
In the first part of this series, I argued that Databricks and Snowflake are not walking away from Apache Kafka.…
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