Field · 01

Payments, Credit & Risk Strategy

Merchant underwriting, digital-goods exposure, reserves, disputes, and control design for payment platforms.

Thesis

Platform risk decisions must track intangible fulfillment, prepaid obligations, and content integrity—not ticket size alone.

Linked work

Interactive System2026

Digital Goods Merchant Risk Strategy Lab

Show how payment platforms can evaluate digital-goods merchants with explainable controls, reserve logic and synthetic scenario evidence.

Role I defined the product question, research structure, scenarios, decision policy, commercial simulation, API, test suite, interactive interface and case-study narrative.

Artifact Eight synthetic merchant scenarios, three policy postures, explainable controls and a live interactive lab connected to a versioned FastAPI service.