Core Thinking

These essays set out the thinking behind my work. They focus on where value creation breaks down in practice, and how execution starts to strain as payments and fintech businesses scale under regulatory, technological, and organisational pressure.

A computer displaying a spreadsheet program.

When Operating Models Outgrow Spreadsheets

The moment spreadsheets stop being helpful and start being dangerous—and what actually breaks under scale.

woman and man sitting in front of monitor

The Problem Nobody Names: How Work Actually Moves

Why work coordination remains unsolved, and why organisations tolerate confusion far longer than they should.

white and gray ship on sea under gray sky

Why Strategy Fails Without an Operating Model

How operating models shape execution, control, and scalability in payments and regulated digital businesses

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