The work
Payments that move trillions, infrastructure that has to be right.
Senior payments leader at HSBC Commercial & Investment Bank, working on Treasury APIs, Banking-as-a-Service, and the ISO 20022 wholesale rails that settle correspondent payments at scale.
Twenty years across Tier-1 banks (HSBC, PayPal, Barclays) and consumer technology (Shazam, AKQA, Virgin) — the same product-engineering discipline applied to retail, wholesale and now post-quantum.
The research
Banking research, signed and dated. Every article verifiable.
Applied AI, ISO 20022, post-quantum cryptography. Every piece written for senior architects and CTOs who need to make architectural calls — not press releases.
Cited in the EPAA Quantum-Safe Payments white paper (Sept 2025). Editor of Banking On Quantum and Banking On AI. Member of the EPAA Quantum-Safe Cryptography Working Group.
The output
Open source the standards bodies and lab evaluators can actually read.
KyberLib — production-grade ML-KEM in Rust, evaluated by Qtonic Quantum Lab, adopted by QGram.
pain001 — ISO 20022 payment-file automation. BankStatementParser — unified transaction intelligence. CloudCDN — AI-native edge blueprint.
Trusted across
Where to next
Pick the surface that fits your question.
Read the articles
73 signed, dated pieces on applied AI, ISO 20022, and post-quantum cryptography.
Browse ProofSee the case studies
Five evidence-first builds, every metric verifiable without going through me.
Explore ConversationGet in touch
Consulting, speaking, advisory. Tier-1 banking technology engagements only.
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