Tech

Chargeback and dispute management architecture: the dispute lifecycle, card-network reason codes, representment evidence assembly, deadline SLAs, pre-dispute alerts and the case-management systems behind payment disputes in 2026.

Reconciliation engine architecture: how payments platforms match ledger, processor and bank records - ingestion, normalization, matching strategies, break management and the exception workflow behind money movement in 2026.

Card authorization switch architecture: the ISO 8583 auth flow, issuer processor stack, stand-in processing, real-time fraud scoring, ledger holds and the sub-second SLAs behind card payments in 2026. Systems analysis, not advice.

Collateral and margin management architecture: initial vs variation margin, SIMM calculation, CCP waterfalls, intraday margin calls, optimisation engines and the data model behind them in 2026.

Real-time treasury architecture: intraday liquidity management, cash positioning over ISO 20022, instant-payment rails, forecasting, and event-driven cash concentration - a systems view for 2026.

PackML explained: the ISA-TR88 / OMAC state machine, PackTags, modes and states, and how the machine state model standardizes OEE, MES integration, and digital-twin telemetry in 2026.

LwM2M IoT device management architecture: the OMA object/resource model over CoAP/DTLS, bootstrap, registration, FOTA, and observing telemetry across constrained device fleets in 2026.

Payment orchestration platform architecture: routing across PSPs, cascading retries, tokenization vaults, smart routing, and reconciliation - a systems view for 2026.

IoT device identity and attestation architecture: hardware roots of trust, DICE, TPM/secure elements, provisioning, and remote attestation for device fleets in 2026.

Agentic payments architecture: how AI agents authorize and settle purchases with scoped mandates, tokenization, and verifiable intent - a systems view for 2026.