There is an extended version of this on my substack channel here 

https://bitesizepayments.substack.com/publish/post/191148138?r=5zpu1m&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true

In 1995, I picked up Nicholas Negroponte's Being Digital. The premise was simple but profound: the world was shifting from atoms to bits. Physical things were becoming digital information, and that transformation was going to change everything about how we live, work, and interact.

I was entering the payments industry around that time, and I genuinely believed I was joining that transformation. That payments were making the leap from atoms to bits right alongside everything else.

That was thirty years ago.

And here's what I've learned: we never made that leap. Not really.

Now, the payments industry will tell you we're digital. We've got mobile wallets, instant payments, ISO20022, cloud infrastructure, APIs everywhere. We tap our phones instead of swiping cards. We process billions of transactions in seconds. We think we're sophisticated. Advanced. Digital.

But here's the truth: once you get past that thin layer of shiny technology, we're running on systems that were designed seventy years ago.  This series is about getting to digital Payments and what we need to think and worry about. 

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Payments Industry Insights

History of Payments

Payment System Explained

Corporate Payments Strategy

Payment Regulations Impact

ISO20022 Standard

Digital Payments Evolution

CBDC Advancements

Cryptocurrency in Payments

Financial Technology Education