Poza InsightsField notes from Poza

The systemsbehind howmoney moves.

Essays on cross-border money, accountable AI, portable trust, and financial infrastructure for people and businesses.

An editorial drawing exploring permission and the path from an AI request to a financial action. — Ideas behind more thoughtful financial tools.

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Agentic payments10 min read

A four-year follow-up to the Banking 4.1 thesis

AI agents can spend money. The hard part is proving they had permission.

Agentic payments will depend less on how intelligent an AI system appears and more on whether its authority is bounded, visible, and recoverable.

An AI signal passing through a human permission seal before continuing to a payment route — Field study 01 · Permission is infrastructure

From the archive

Four years earlier

The original predictions.

Two essays from 2022 established the Banking 4.1 thesis and the case for open, responsive African financial infrastructure. The new essay tests those predictions against the systems emerging now.

13 March 2022

Hop on the spaceship and join the Banking 4.1 movement

A 2022 thesis on moving from banking everywhere to banking and transacting everywhere and for everyone.

Read on Medium 02

30 January 2022

This Decade will be massively and radically different in African Fintech

Why African financial infrastructure must be open, interoperable, responsive, and useful to builders.

Read on Medium

Editorial position

Poza studies the systems it is building inside.

Better financial products begin with a clearer account of authority, trust, and movement.

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