Banking Technology & Cybersecurity: Real-World Engineering
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Fraud systems, payments engineering, banking malware, and what building secure financial technology looks like inside one of Africas largest retail banks.
Protected: Neo by Capitec: AI Client Support That Resolves Issues Proactively
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Read more →SCP Files to EC2: Mac & Linux Command Guide
I always forget the syntax of SCP and so this is a short article with a simple example of how to SCP a file from your laptop to your EC2 instance and how to copy it back from EC2 to your laptop: Copying from Laptop to EC2 scp -i identity_file.pem source_file.extention username@public_ipv4_dns:/remote_path scp: Secure copy protocol-i: Identity […]
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Card Payment Authentication and the Intent Problem: Why Identity, Consent and Authorization Are Not the Same Thing
1. Card Payment Authentication, Consent and Authorization Are Three Different Things 1.1 Who Actually Does What in a Card Payment Because this argument turns on some fine distinctions, it is worth spending a moment on who does what, since the vocabulary of card payments is unhelpfully opaque and the same word often means different things […]
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Finally, an AI That Understands Money, Part Three: Teaching It What Is Out of Character
Abnormal is always relative. An embedding computed in advance can hold an inbound payment before it arrives, and the same property explains where this approach fails. This is the last of three parts. Part one explains what Revolut’s PRAGMA is and how it works. Part two covers credit and financial inclusion. Where the first two […]
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One Wallet, One Premium: Rebuilding Credit Around the Client Instead of the Product
There is an asymmetry sitting in plain sight in every retail lending book, and once you notice it you cannot unsee it. Some of the smallest, shortest and most frequently repaid advances we write exhibit extraordinarily low losses, particularly where repayment is tied closely to the customer’s income stream, and yet almost the entire architecture […]
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