Dr. Helena Vance
Dr. Vance leads CashlessTechnology.com's coverage of AI in payments, agentic commerce, and the next generation of authorization infrastructure. She previously held research positions in financial engineering and applied machine learning.
Areas of focus
Recent work
New research into autonomous transaction protocols suggests a 40% shift in retail volume toward AI-negotiated micro-payments by 2027.
Programmable commercial bank money is moving from whitepaper to settlement infrastructure.
QR-code rail interconnects are reshaping tourism and remittance flows in Southeast Asia.
When the integration cost of orchestration finally pays off - and why mid-market merchants are reaching that threshold faster.
Where regulated stablecoins are taking share from correspondent banking - and where they are not.
Scoped tokens, delegated authority, and attestation - the building blocks issuers are starting to ship.