by Suraj Gyawali | Jun 28, 2026 | General
AI bans are often a blunt response to organisational challenges such as rapid change, data risk, regulatory concerns, and gaps in skills and governance. On the one hand, AI is taking the world by storm. On the other, many public and private organisations are actively...
by Suraj Gyawali | Mar 5, 2026 | Development
Executive summary The belief that artificial intelligence would replace most software developers has shifted from bold prediction to uncomfortable reality check. AI coding tools have delivered genuine gains in speed and convenience, but organisations that moved too...
by Suraj Gyawali | Oct 27, 2025 | General
Digital ID: The Key to a Modern UK or a Threat to Our Freedom? There is a growing debate about digital ID, with many people expressing concern while others see potential benefits. Even among those I work with, opinions are divided. From my point of view, this should...
by Suraj Gyawali | Oct 8, 2025 | General, Payments
Executive Summary The global card payments industry in 2025 is undergoing profound transformation. Driven by evolving consumer expectations, rapid technological innovation, tighter regulation, and mounting security risks, every stakeholder—from issuers and acquirers...
by Suraj Gyawali | Dec 27, 2024 | General, Open Banking, Payments
What is Open Banking? Imagine a financial world where your data unlocks a wider range of options, all with your permission and security in mind. That’s the power of open banking. This system relies on secure connections (APIs) to share your financial information...
