Adaptive identity
KYC journeys should adapt to the user, context and failure happening now - not wait for a PM to analyse the funnel next week.
IDEAS.TXT
Ideas I am exploring
Not polished predictions. Just questions that keep returning across product work, customer rooms and late-night rabbit holes.
Consent is not authorisation
A button tap proves an action occurred. It does not prove the person understood the price, duration, data exchange or consequence.
Identity as a programmable trust rail
The interesting future is not another verification API. It is reusable, consented identity that can travel across financial and business workflows.
Business onboarding deserves product attention
Vendor and merchant onboarding still runs on emails, PDFs and Ops teams. It deserves the same product depth consumer onboarding received.
The AI-native product team
Small teams can now research, build, test and distribute with unusual speed. The constraint moves from headcount to taste, judgment and user empathy.
Tools for overlooked operating lives
Creators are one example of a fast-growing group whose actual work life is still managed through generic software and personal memory.