Ten years ago, digital payments were still considered “alternative. ” Today, they’re the new normal — and by 2030, they’ll account for nearly 80% of global e-commerce. Wallets, account-to-account (A2A) payments, buy now pay later (BNPL), and even crypto are rewriting the rules of how money moves. What started as […]

Tim Harford wrote about this in theFT Magazine of 19th April 2025. In 1978, the crew of a dredger found a chain at the bottom of a canal while carrying out some repair work. Someone suggested that they should attach the chain to the anchor of the dredger and pull […]