AI Will Change Merchant Acquiring

Thinking about what AI will do for payments (and what payments will do for AI.)

Feb 6 • David G.W. Birch

January 2026

The Short Term and the Long Term

Management, money transfer and mutation

Jan 29 • David G.W. Birch

2

Social Media Must Fight Fraud Too

Let’s use real cryptography if we want real results!

Jan 22 • David G.W. Birch

4

Passwords are a National Security Risk

If we want a real defence, we need to use real cryptography.

Jan 15 • David G.W. Birch

8

Forget About Financial Literacy

Edukashun, edukashun, edukashun in the age of AI.

Jan 8 • David G.W. Birch

3

December 2025

Thinking About a UK Digital Identity Infrastructure

Sir Tony Blair et al are right about the need for a digital ID. But what should it do, exactly?

Dec 31, 2025 • David G.W. Birch

2

1

Wrapped

Your top ten, not mine.

Dec 24, 2025 • David G.W. Birch

Stablecoins and Strategy

What do long-term thinkers say about tokenised private currencies?

Dec 18, 2025 • David G.W. Birch

2

Identity and Money: A Case Study

When Ireland became, as some people put it, "the cheque republic".

Dec 11, 2025 • David G.W. Birch

4

3

2

Stablecoins Will Change Banking For Good

They are about more than payments.

Dec 4, 2025 • David G.W. Birch

6

1

November 2025

Surprise & Delight in Agentic Finance

Bots can improve customer service to people. But to other bots?

Nov 28, 2025 • David G.W. Birch

2

The iPhone has a New Camera. I Don't Care.

What I do care about is that it has a new wallet.

Nov 19, 2025 • David G.W. Birch

2