Payments · AI · Regulation

Strategic thinker.
Technical builder.

13 years deploying AI/ML into Tier 1 Banks and Global Merchants across the US, EMEA and APAC. I write about payments, consumer behaviour, banking tech and regulation — and I build tools that make complex domains navigable.

01 / 06

Where strategy meets execution

I sit at the intersection of solution architecture, customer success and hands-on delivery — translating complex regulatory and technical landscapes into shipped products and measurable outcomes.

02 / 06

Domain expertise, codified

From PSD2 to DORA, from 3-D Secure to AI governance — I don't just understand these domains, I build searchable, interactive tools that make them accessible.

03 / 06

What I build

EU Payments Legislation Search 3DS Protocol Reference Browser Teleprompter Transaction Intelligence

Side projects that solve real problems in the payments and fintech ecosystem.

04 / 06
43

EU regulations, one search bar

paymentslaw.eu indexes PSD2, PSD3, PSR, DORA, FiDA, MiCA, GDPR, AI Act and 35 more — with instant full-text search across thousands of articles.

05 / 06

Writing that connects dots

My blog Transaction Intelligence applies systems thinking to payments, AI and regulation. Featured topics include AI governance, authentication evolution, and second-order regulatory effects.

06 / 06

Let's work together

Head of Customer Success & Solution Architecture. Open to roles where strategic thinking and technical depth are both valued.

Featured Writing

Strategic thinking,
published

Selected articles from Transaction Intelligence — where I decode financial behaviour, one transaction at a time.

AI & Governance

AI Governance in Fraud Detection: New Regulatory Frameworks

As AI-powered fraud detection grows more capable, the regulatory landscape is shifting. Financial institutions must meet new explainability and governance standards.

Read on Transaction Intelligence Authentication

AI Has Defeated Bank Voice Authentication — What Now?

Financial institutions relying on voice biometrics face a serious problem. AI can now clone voices from seconds of audio, turning everyday digital footprints into authentication vulnerabilities.

Read on Transaction Intelligence Payments

AP2 vs 3-D Secure: How Payment Authentication Is Evolving

Twenty-five years ago, the payments industry solved the trust problem of e-commerce with a three-domain architecture. Now, as AI agents prepare to shop on our behalf, history rhymes.

Read on Transaction Intelligence Regulation

Second-Order Thinking: What the UK's Age-Check Law Taught Us About Regulation

Politicians love declaring victory. A new law passes, the metrics move in the right direction. But in complex systems, the real consequences emerge downstream.

Read on Transaction Intelligence Systems Thinking

Why Generalists Win in Complex Ecosystems

In an industry obsessed with specialisation, the ability to connect dots across domains — regulation, technology, behaviour — is becoming the most valuable skill.

Read on Transaction Intelligence

Side Projects

Tools I've built

Domain expertise turned into working software. Each project solves a real problem in the payments and fintech ecosystem.

EU Payments Legislation

paymentslaw.eu

An open-source knowledge graph covering 43 EU payments and financial legislative acts. Instant full-text search across PSD2, PSD3, PSR, DORA, FiDA, MiCA, GDPR, AI Act and 35 more — with cross-references, recitals and article-level navigation.

Next.js Full-text Search 43 Regulations Open Source
Visit paymentslaw.eu
EU Payments Law — interactive search across 43 EU payments and financial legislative acts

3DS Protocol Reference

3dsspec.com

An interactive reference for the EMV 3-D Secure specification (v2.3.1.1). Filter by device channel, message category, inclusion level and source component. Navigate authentication messages from AReq to Error — with field-level detail for all 114+ data elements.

TypeScript EMV 3DS Interactive Filters 114 Fields
Visit 3dsspec.com
3DS Protocol Reference EMV 3-D Secure Specification v2.3.1.1 AReq ARes CReq CRes RReq RRes 3dsspec.com

Glasspane

glasspane.page

A browser-based teleprompter. Write your script in Markdown, present from anywhere. Built in TypeScript for simplicity and portability — no install required.

TypeScript Markdown Browser-based Open Source
View on GitHub
GLASSPANE.PAGE

Open Source

Building in the open

3,948 Contributions (2025)
22 Repositories

Active across payments tooling, developer utilities and open-source projects. Most recent work includes contributions to paymentsLegislation, glasspane and 3dsExplorer.

github.com/mattberryman

Connect

Find me elsewhere

Writing, building and connecting dots across payments, AI and regulation.