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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Per @FT PE circling @GlobalPayInc /
@Worldpay_Global again at almost 2x market cap (tho almost 20% up today). WP been on/off markets. Probably the biggest non scheme #payments co in world on vol. Regulators trying to cut #merchant costs. This won't help. ft.com/content/da16af06-4431…
Giant #crypto exchange @binance is hacked for (checks article for second time) $6.3bn after engineer's laptop is compromised. The largest digital asset theft on record and sobering reading for progress shifting #banking into coin based rails. ft.com/content/c7f5e395-c3a9…
Per @ThePaypers, @Adyen is rolling out @Visa's device biometric 3D Secure alternative VPP (Visa #Payment Passkey) to their #payments acceptance optimisation offering "Adyen Uplift". Uses same passkey as used for device unlock. thepaypers.com/fraud-and-fin…
A couple of years on from @AmericanExpress divesting them, PE backed risk screening platform @AccertifyInc - founded 20 years ago to address #payments fraud - launches new partner programme promising to build a consortium helping good customers transact. accertify.com/resource/accer…
In the US, food delivery app @DoorDash acquires rival grocery delivery app @Instacart for $17 BILLION - and bets on keeping pace with local grocery delivery leader @amazon. 6 years from IPO $DASH has a $76bn market cap. 3 years from IPO $CART's is $14bn. ft.com/content/13c96ad2-6aee…
Food delivery app @JustEatUK is the first major brand to offer @Revolut's new branded "on us" (A2A) #payments button. Forget #banking, Revolut is just very good at #affiliate #marketing: subscription bundling them, redeem points at them, now pay at them. lnkd.in/p/egMNEAa7
Just @Adyen knocking over 12% off their value today by dropping full year EBITDA margin guidance from 52% to 50% since last quarter - and removing altogether their pitch to get above 55% by 2028 - in order to instead "accelerate investment in team, platform and product".
Despite fall thru of @Stripe / @adventintl deal, @PayPal recovery shows some signs of life with 11% beat on Q3 earnings, raising FY profit forecast to $15.7bn. But miss on revenue tells real story growth in higher margin BNPL & @Venmo, plus cost cut. [PDF] s205.q4cdn.com/875401827/fil…
New #ecommerce #shopping cart vulnerability largely affecting #Magento and now having compromised 953 stores, uses Javascript loader embedded in CMS to see if it's a real consumer (or #security scanner) and only loads for the former to evade detection. infosecurity-magazine.com/ne…
Hints in @Android code that @Google is preparing a handset native means for @GooglePay and other users to transact via foreign QR code initiated methods such as @Alipay and @AlipayPlus while travelling. androidauthority.com/google-…
Long time #payments infrastructure specialists @TNSI enhance their cloud-native #orchestration platform to help unattended terminal and high volume partners optimise acceptance through "smart routing" rules & provider availability and performance signals. tnsi.com/resource/pay/tns-he…
The rebooted @Paysafe wallet, 2026 relaunch of the @paysafecard - offering an #emoney IBAN, debit card, cash load & #bank/SEPA transfers - expands beyond its initial 18 European markets into Croatia, Bulgaria and Estonia (having added Poland 2 months ago). businesswire.com/news/home/2…
Airline association @IATA finds that economic cost of #payments to #airlines was $24.5bn in 2025 against $1.05T in sales (2.33%) & cost of transacting growing marginally faster than air travel itself! 84.5% of costs are payment fees (1.98% effective rate). iata.org/en/pressroom/2026-r…
Americas and Europe card acquirer @elavon joins @SAP partner program to offer embedded #payments within the ERP platform - already supported by #enterprise #payment specialists @Adyen, @Checkout and even @Stripe. businesswire.com/news/home/2…
Serial #fintech PE backer @pollencap agrees a £250m debt facility for Birmingham based UK business lender @Lovey_business. lovey.com/blog/lovey-250m-de…
Yet another UK class action lands with @CATribunal against @Visa and @Mastercard - this one seeks £5 billion damages for #interchange fees. In the past month a £700m claim landed for #merchants, and the "Merricks" £200m consumer action pays out next year! lawgazette.co.uk/news/master…
Per @FT, the @BankofEngland via its #banking regulator the PRA, ordered an expert advisor review of @Revolut's product approval processes to find what risks exist & if internal systems are sufficiently robust. The bank just launched UK personal loans. ft.com/content/ea6d6d50-57c0…
South Korea is latest country to take antitrust action over @Apple & @google's historic enforcement of their own in app #payments systems - fining both nearly $50m. Over the past year both have agreed to open up their platforms to other #payment methods. koreajoongangdaily.com/busin…
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-…
