Commentary · external publications · talks
Short founder-voice commentary on the radars I publish at Finray Intelligence, plus long-form work in industry venues — Finextra, Finance Alliance, AI Journ, TechGrid — on API-first core banking, autonomous compliance, event-sourced ledgers, and the regulatory architecture of the post-2025 FinTech stack. Selected conference talks and podcast appearances below.
Founder voice
Short positioning pieces on specific Finray Intelligence radars. First-person, opinionated, not vendor-neutral. Each links through to the primary-source-cited radar on finray.tech.
Finray's response to FCA CP26/13 raised one question the proposed PERG 19 leaves unaddressed: when private keys are held under threshold MPC across multiple jurisdictions, where is the safeguarding 'place of supply' under §19.3.2? Our submission proposes the orchestrator.
A core banking RFP that scores ledger features, payment rails, and API surface is solving a 2015 problem. The 2026 problem is regulatory composability — and most vendor demos optimise for the former because that's what RFPs ask.
Links through to
EU/UK PI/EMI core banking selection radar →
Roughly 3,100 pre-MiCA VASPs entered 2024 expecting the transition window to be survivable. 53 made it through. The numbers say more about how NCAs actually evaluate CASP applications than the level-1 text does.
Links through to
MiCA CASP licensing forensic →
DORA Article 28 reads like a vendor management framework. Treating it as exactly that is the surest way to receive Joint Examination Procedure findings in the 2026-2027 supervisory cycle.
Links through to
DORA Article 28 ROI tracker →
Articles
Filter by category. Each article links to the canonical version on the publication's site.
Why the FATF Travel Rule looks like an AML checkbox on paper and acts like a payment-network identity-routing protocol in practice — and what that distinction does to how regulated firms architect originator/beneficiary data flow.
Finextra Read on Finextra ↗
Deeper on Finray Intelligence Travel Rule · Identity Routing Problem radar →FCA CASS 15 reads as a reporting regime; in operating reality it is a solvency-grade reconciliation discipline that determines whether a PI or EMI is actually solvent on any given day. The architectural implications run deeper than the rulebook.
Finextra Read on Finextra ↗
Deeper on Finray Intelligence Safeguarding · Solvency Discipline radar →Why running parallel compliance monitoring systems for crypto and fiat creates regulatory exposure rather than reducing it — and what audit-ready unified architecture looks like under MiCA, DORA, and the FATF Travel Rule.
Finextra Read on Finextra ↗
How to architect core banking systems where every domain capability is an API contract — secure by default, horizontally scalable, and compliance-aware at the platform layer rather than bolted on.
Finance Alliance Read on Finance Alliance ↗
An accessible introduction to event-sourcing for banking ledgers — why immutable append-only history is the right primitive for regulatory audit trails, and how it changes operational reasoning about money movement.
AI Journ Read on AI Journ ↗
What 'autonomous compliance' actually means once MiCA, DORA, the EU AI Act, and the FATF Travel Rule are simultaneously in force — and how regulated FinTechs build platforms that scale with regulation rather than against it.
TechGrid Read on TechGrid ↗
Talks & podcasts
Selected conference talks and podcast appearances on FinTech infrastructure, regulated AI, and compliance architecture.
Product Mindset · Episode 4
FinTech is entering a new era where compliance isn't just a requirement — it's a competitive advantage. In this episode of Product Mindset we explore how product leaders can design infrastructure that's both compliant and innovative.
Software Architecture Conference 2025 · CSharpCorner
Invited session at the Fourth Edition Software Architecture Conference (Aug 5–8, 2025) on modern API-driven architecture for banking systems — engineering API-first core platforms that are secure, scalable, and compliant by design. Streamed live to an audience of over 2,500.
Links through to
Finray CP26/13 response →