15+ years inside European banks' payment systems, now shipping AI products across payments, Open Banking, and Open Finance, with live consoles, B2B APIs, and a GenAI categorizer.
A bank/PSP-side React console for folding the digital euro into an existing payment estate: holding-limit & waterfall engine, ISO 20022 settlement over DESP/TARGET, compliance, and a phased roadmap.
A lender/TPP console that turns a borrower's Open Banking account data into an explainable, auditable lending decision. A GenAI categoriser feeds a deterministic affordability engine (German Haushaltsrechnung / Kreditwürdigkeitsprüfung), with multibank aggregation, a credit-bureau knock-out rule, and a GDPR Art. 22 human-review path. Thesis: account access is a commodity; the categorisation and decisioning layer is the work.
An illustrative Mastercard Open Finance Data prototype: 11 B2B use cases (account verification, income & affordability, spending insights, MCC normalisation) on a synthetic-bank foundation, each a headless API plus a demo console.
A multi-bank PSD2 aggregator (5 European banks, Berlin Group). A three-tier GenAI categorizer cut unclassified transactions ~80% on an evaluation harness, with an override layer that fixed a real LLM bias bug.
An AI shopping agent that discovers products, then passes a payment-authority gate to check out: an Ed25519 agent identity, a scoped single-use issuer-signed mandate (Mastercard Verifiable-Intent style), and Open Banking settlement after one human SCA, with every agent call RFC 9421 signed.
An agent that initiates account-to-account payments on the TrueLayer sandbox. It checks that the payee name really owns the account before anything moves, and stops for human approval when something looks wrong. The language model advises at the edges and never makes the payment decision. A LangGraph state machine with interrupt-based human-in-the-loop, an external checkpointer so a paused run survives a stateless runtime, and a versioned evaluation suite that asserts the path a run took.
GenAI feature design · local LLMs (Ollama, Qwen) · structured output · eval harnesses · React / Python / Flask · SQL · mainframe background.
PSD2 (bank- & TPP-side) · Berlin Group / NextGenPSD2 · ISO 20022 · OAuth2 · mTLS · consent & SCA · card-scheme compliance · digital euro.
ITIL · SLA/KPI frameworks · vendor sourcing · P&L & cost control · service transition · Splunk · ServiceNow · JIRA.
Based in Munich. Always glad to compare notes on Open Banking, payments infrastructure, and where AI earns its place in regulated operations.
