You will find my conferences, AI research, and professional journey on this website. I'm passionate about quality engineering, test automation, and sharing knowledge with the community.
Backend Follow a card payment from tap to settlement: the four-party model, gateways, processors, PSPs, and why approval and payment happen at different times.
Backend What fintech actually means, and why payments—transferring capital—is the wedge where most fintech products begin.
Backend Decode payment fees and jargon: interchange, scheme fees, refunds vs. chargebacks, tokenization, PCI DSS, and KYC/AML.