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The IRS letter was for the company, not for me

A client asked to pay a company, so I formed a US LLC from abroad and waited for the letter. When it arrived I assumed the number on it was mine. It…

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Part 8 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. This annex holds the operating d…

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Part 6 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. C4. Beyond the PFA: a North Star…

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Part 5 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. C3. Case in point: the Personal…

ai fintech banking architecture

Part 3 of 8 of Building the Bank from the Top Down . The main paper makes the argument; this part holds the detail. B1. A recurring pattern: efficie…

ai fintech banking architecture

Building a Real-Time Global Network Before Anyone Had the Words for It The Money Stack — Episode 3 of 10 In September 1958, Bank of America mailed s…

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How Money Learned to Travel at the Speed of Light The Money Stack — Episode 2 of 10 In 1871, Western Union noticed something peculiar about its own…

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Banking apps have become one of the most demanding categories of software to build. Customers expect transactions to feel instant. Product teams wan…

Plaid Alternatives in Europe: A PSD2 Developer's Comparison for 2026 Cover image suggestion: A stylised map of Europe made of interconnected bank/AP…

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IBAN validation trips people up because it looks like it should be a length check plus a regex, and it's neither. Here's the actual structure, in th…

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Open Banking for Small Businesses: A Practical 2026 Guide Big banks and enterprise fintech have dominated the open banking conversation, but small b…

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If an app shows only how much money is there right now but ignores the obligations already moving towards that balance, it gives the user a distorte…

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Every banking app I've ever worked on "worked" on the day it shipped. Login worked. Transfers worked. The balance updated correctly after every test…

See how AI upskilling for finance helps testing teams adopt AI with practical training, governance, traceability, and measurable impact. The post AI…

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