Thinking
Essays, notes and frameworks on where money, AI and ambition are heading.
We Built World-Class Payment Rails. Now Let's Open Them Up.
Australia already has real-time payments, simple addressing and digital consent. The next chapter is bringing them to everyday checkout.
15 October 2026 · 6 min readThe Company That Runs While You Sleep
How a small company can be built from AI agents that work together on their own, and what the humans still need to own.
13 October 2026 · 5 min readAn Agent That Feels Human
Today's agents compete on how much they can do. The one worth living with is defined by what it chooses not to do.
11 October 2026 · 5 min readArchitecture Was Designed for Humans. It's Time to Revisit It.
Agent-built, human-accountable: the operating model for software after coding.
9 October 2026 · 4 min readCoding Has Stopped. Understanding Hasn't.
As AI writes more of our software, the most valuable engineering skill is shifting from typing to understanding.
6 October 2026 · 4 min readThe Wallet Learns to Think
Agentic payments won't arrive as a new rail. They'll arrive as a new kind of customer, one that never sees a checkout page.
2 October 2026 · 4 min readWe've Seen This Movie Before
Fire, the needle, the wheel, the press, the steam engine, the internet. Each great shift extended what people could do. AI is the first to share some of the thinking.
28 September 2026 · 3 min readIntelligence Is Abundant. Motivation Isn't.
Many of us now carry a team of expert helpers in our pocket. More and more, the difference is simply who decides to ask.
21 September 2026 · 3 min readNo essays match yet.
We Built World-Class Payment Rails. Now Let's Open Them Up.
Australia already has real-time payments, simple addressing and digital consent. The next chapter is bringing them to everyday checkout.
6 min read · Oct 2026 Future of WorkThe Company That Runs While You Sleep
How a small company can be built from AI agents that work together on their own, and what the humans still need to own.
5 min read · Oct 2026 AI & AgentsAn Agent That Feels Human
Today's agents compete on how much they can do. The one worth living with is defined by what it chooses not to do.
5 min read · Oct 2026 Leadership & ArchitectureArchitecture Was Designed for Humans. It's Time to Revisit It.
Agent-built, human-accountable: the operating model for software after coding.
4 min read · Oct 2026 AI & AgentsCoding Has Stopped. Understanding Hasn't.
As AI writes more of our software, the most valuable engineering skill is shifting from typing to understanding.
4 min read · Oct 2026 Payments FuturesThe Wallet Learns to Think
Agentic payments won't arrive as a new rail. They'll arrive as a new kind of customer, one that never sees a checkout page.
4 min read · Oct 2026 Life & MindsetWe've Seen This Movie Before
Fire, the needle, the wheel, the press, the steam engine, the internet. Each great shift extended what people could do. AI is the first to share some of the thinking.
3 min read · Sept 2026 Future of WorkIntelligence Is Abundant. Motivation Isn't.
Many of us now carry a team of expert helpers in our pocket. More and more, the difference is simply who decides to ask.
3 min read · Sept 2026Notes
Short thoughts, written fast.
Frameworks
All frameworksThe 3-Year Rule
Judge every hard-to-reverse decision against the company you'll be in three years.
FrameworkIntent over Instruction
Design for the outcome someone wants, not the steps they would have taken to get there.
FrameworkRegulation as Material
Treat the rules as the walls of the channel. They decide where the flow can go, so design with them from the first sketch.