I'm an entrepreneur, product designer, and software engineer. My main focus these days is financial services, particularly open banking and payments.

I've created API technology used globally by companies like Amazon Web Services, Capital One, GEICO, and Temenos.

I've designed and built core banking systems, and even entire payment methods, from scratch.

I'm the founder of Curl — a venture funded startup building a new payment network to completely replace the card system, designed around open banking APIs.