China’s slowdown sent shockwaves through global payments and banking. Transfers took weeks, approvals froze, and billions got trapped in limbo as the government tightened control on every cross-border transaction. Some exporters turned to stablecoins to move money, bypassing the rules but this only created an even bigger risk to financial stability. Businesses worldwide faced shrinking margins, higher fees, and disrupted cash flows that threatened their survival. Read my arti

My latest article “Chief Payment Officer (CPayO): The Role That Doesn’t Exist – But Should”  has just been published in The Green Sheet’s October 2025 issue , a leading US magazine for payments and fintech professionals. The article explains why every modern business needs a Chief Payment Officer  – a C-level executive who brings finance, compliance, product, and technology into alignment through a structured payment and banking strategy. It shows how payments impact growth,

I see more and more people today talking about stablecoins, limited-circulation systems, and the idea of returning to something like the gold standard. Many believe such systems would bring fairness and stability back to money and protect value from inflation or manipulation. These debates often question whether our entire economic structure, based on unlimited money creation, is sustainable at all. (hint: no, its not) Gold carries a sense of purity, a promise of value untouc

The company behind PayPal’s stablecoin accidentally minted $300 Trillion. Then erased it. Thankfully, no one lost money this time, but this gets to show how fragile digital money systems can be. Blockchain-based systems are all fun and happiness - until one bad click. Stablecoins can move trillions easily, but incidents like this show how the next generation of finance will need built-in, automated oversight that operates at the same speed as digital transactions. Your paymen

Every card payment costs to the merchant - but how much? A transaction processed through a US card costs almost double compared to a European one, while payments from Africa, Asia, or Latin America often carry high cross-border fees or rely on wallets that bypass cards entirely. These variations create massive gaps in cost and risk, but most businesses never measure or plan for them - and this costs them dearly! Without a clear payment and banking strategy, companies lose con

We are honoured to announce that PSP Angels has been named Best Independent Payment and Banking Firm 2025 by World Business Outlook . This recognition is a powerful reminder of why we started this journey and a celebration of everything we have achieved together so far. Our mission has always been bigger than consultancy. We set out to change how businesses think about payments and banking – to treat them not as back-office functions but as strategic pillars that shape growt