The public library / payments · product · programs · AI
Working knowledge for teams building and delivering.
Payments, product management, program delivery and AI. Start with a practical question, then follow the decisions, examples and controls behind it.
Explore seven practical reading paths Find a starting point01 Problem first
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Choose a question. Each link opens the full published guide.
01Understand ISO 8583 messages and payment outcomesISO 8583 Payment Message Lifecycle02Test a fraud rule before it affects customersA Practical Fraud Rule Management Lifecycle03Define a product’s requirements and launch controlsPayments PRD Template: The 9 Sections Every Senior PM Should Write04Decide whether an AI product is ready to releaseAI Product Management: From Evaluation to Release05Coordinate program dependencies and delivery decisionsBuilding a PMO from Scratch in a Fintech: A 90-Day Playbook06Give an enterprise AI workflow a clear operating ownerEnterprise AI: Ownership, Access and Operating Handover07Separate an agent’s identity from its payment authorityAgentic Payments Need an Identity Control Plane
02 Practical guides
Read the operating detail.
Working material for product, risk, settlement and platform decisions.
FIELD GUIDE / Product StrategyPayments PRD Template: The 9 Sections Every Senior PM Should Write
A practical payments PRD template for senior product managers covering rail choice, risk, settlement, compliance, operations and launch gates.
Open the guide ↗02Payment Infrastructure · 8 min readISO 8583 Payment Message Lifecycle↗03Fraud & Risk · 8 min readA Practical Fraud Rule Management Lifecycle↗04AI in Fintech · 10 min readAI Product Management: From Evaluation to Release↗05AI in Fintech · 8 min readEnterprise AI: Ownership, Access and Operating Handover↗06Program Management · 7 min readBuilding a PMO from Scratch in a Fintech: A 90-Day Playbook↗07Settlement & Reconciliation · 5 min readThree-Way Reconciliation at Scale↗08Product Strategy · 5 min readThe Risk-Adjusted Backlog: Prioritising Payment Products When Failure Costs Real Money↗
03 Open source · MIT
Templates and review checkpoints for product work.
A step-by-step structure for product work, with review checkpoints, reusable templates and optional AI assistance. Use it without a hosted product or account.
Explore Product Manager OS04 Case studies
Decisions, in context.
05 Browse by domain
Follow a topic across the library.
Collections connect guides, analysis and case studies around one operating domain.
01Payment InfrastructureBuilding the regulated rails, pay-in, payout, ledgers, orchestration and the operating model that runs them.02Cross-Border PaymentsCorridors, FX, partner routing and the product economics of moving money across markets.03SWIFT & ISO 20022SWIFT messaging, gpi, ISO 20022 migration, correspondent banking and the standards layer of cross-border.04Settlement & ReconciliationLedger design, three-way reconciliation, exception management and treasury, the trust layer of payments.05Merchant OnboardingKYC/KYB automation, risk tiering, activation funnel and the trade-off between conversion and default.06Fraud & AML/CFTLayered fraud controls, AML/CFT monitoring, sanctions screening, chargebacks and the false-positive budget.07Payment APIsAPI design for pay-in, payout, local methods and developer experience in regulated environments.08Emerging MarketsMENA, South Asia and the operating realities that pressure-test payments outside the OECD model.09AI in Fintech & PaymentsAI product management, evaluation, enterprise operating models and agentic commerce, with practical guides and separately documented fintech case studies.10Crypto & Stablecoin PaymentsOn-ramps and off-ramps, stablecoin settlement, custody design, Travel Rule and VARA/FATF alignment for regulated payments teams.11Program Management & PMOProgram management guides for PMO setup, business cases, benefits, budgets, capacity, dependencies, vendor governance and operational handover.12Product ManagementProduct management guides for payments: discovery, PRDs, prioritisation, experiments, activation, pricing, go-to-market and product lifecycle decisions.13Banks & FintechCore banking, credit scoring, open banking, embedded finance and bank partnerships: architecture choices and operating controls for product teams.
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