Sharing What I've Learned

Lessons worth passing on

Short, practical takeaways in my own words — general principles, not any organisation's internal practice.

Data & DMI

Start from usage, not systems

When data work starts with a system inventory it stalls. Starting with how the business uses data shows quickly what matters and who cares.

Payments

Authorisation is not settlement

A card approval is a promise, not money moving. Many product and reconciliation questions come from mixing the two up.

Open Banking

Consent is a product experience

Rules set the minimum. Whether customers trust data sharing depends on how clearly the purpose and control are shown.

Risk & controls

Controls need evidence

A control that cannot show evidence it ran is hard to rely on. Design the evidence at the same time as the control.

AI Governance

AI governance inherits data governance

Most AI risks trace back to data: where it came from, what it means and whether it is good enough for the decision.