Former Head of Product at Rapyd, where he designed its global payments products and built the system that routed payments across its rails. Previously Waze and Promo.
The consistency an AI agent needs before it can run financial operations does not come from the model. It comes from knowing, explicitly, what the operation expects to happen, and in most institutions that knowledge is spread across contracts, policies, systems and the people who reconcile the gaps between them.
Payments now settle in a quarter of the time they took five years ago, yet finding out what went wrong with one still takes as long as it always did, and this year's research shows why.
