I'm a Senior Product Manager and Solution Architect with over 12 years of experience designing and building payment systems.

I've worked on card issuing, payment processing, digital wallets, and banking infrastructure, helping financial institutions build and operate payment products.

I'm the author of How Payments Work, a practical guide to the technology and infrastructure behind cards, bank transfers, digital wallets, and modern fintech.

My goal is to make complex payment systems easier to understand, using real implementation experience rather than theory alone.