Thoughts on AI in Payments, Payment Orchestration, BNPL, and building fintech products.
Traditional payment routing relies on static priority lists. But what if your routing layer could learn — adapting in real time to gateway health, time-of-day patterns, issuer bank behaviour, and transaction characteristics? This is where ML-driven routing changes the game entirely.
Read Article →What makes a payment orchestration layer truly resilient under high traffic? From routing priority matrices to fallback logic, here are the product decisions that separate good orchestration from great.
I started writing code. Now I orchestrate teams and payment flows. Here's what the transition taught me — and why having a technical foundation makes you a significantly better product manager.
Buy Now Pay Later has transformed how Indians access credit for everyday purchases. But what does BNPL integration really look like from a product side — and what does the RBI's evolving stance mean for product teams?
What if a refund could be initiated, validated, and processed without a single human in the loop? Agentic AI flows are making this possible — and the implications for payment product teams are massive.
A PRD is only useful if the team building from it actually understands it. Here's my framework for writing lean, outcome-focused product requirements documents — shaped by years in agile fintech teams.
Traditional rule-based fraud detection is fast and explainable but brittle. ML models are adaptive but require trust. The future of payments fraud sits at the intersection of both — and product teams need to understand why.
Writing regularly on AI in Payments, Payment Orchestration, and Fintech Product thinking. Follow on LinkedIn for updates.
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