Marcus Thorne
Marcus covers payment infrastructure, ISO 20022 migration, and real-time rails. His prior career spanned core banking, RTGS operations, and cross-border product strategy.
Areas of focus
Recent work
Analyzing the technical stack and privacy implications of the new ledger.
Structured remittance information is finally making automated reconciliation viable at corporate scale.
The product patterns that emerge when the buyer is an LLM, not a person.
Five years in, Pix has compressed acceptance cost, accelerated settlement, and reset competitive dynamics across the merchant stack.
Reserve, disclosure, and redemption requirements are concentrating issuance among a small set of compliant operators.
Tap-to-phone is finally crossing the chasm in markets where regulators have signed off.
Scheme-led guest checkout is back, with better merchant integration and a clearer value proposition.