AI in Payments
Artificial intelligence burst into the business world on January 23, 2023, when Microsoft announced a $10 billion investment in OpenAI, the parent company of ChatGPT.
August 28, 2025
The Next Leap in LLM Projects and the Shift Toward Agentic AI
In the fourth installment of our AI – Payments, Commerce & Markets series, Executive Advisor Wayne Johnson III explores 2025 AI investments and the technologies
August 21, 2025
Demystifying AI: Core Concepts, Tools & Infrastructure – Plus a Metric Comparison of ChatGPT-5 to Grok4
This is the third installment of our AI – Payments, Commerce & Markets series, expertly constructed by Wellesley Hills Financial Executive Advisor Wayne Johnson III.
August 17, 2025
Architectural and Computational Advantages of Grok
In this week’s edition, Wellesley Hills Financial’s Executive Advisor, Wayne Johnson III, makes the case for why Grok 4.0 seems to have taken pride of
August 10, 2025
AI – Payments, Commerce & Markets: Grok 4.0: xAI Advances the Frontier of AI Innovation
This week we’re introducing a multipart series on AI, where it is now, where it will be, and how one of the greatest General Purpose
August 3, 2025
So… how are we doing? Revisiting our 2025 predictions and adding fresh calls.
In December 2024 our Managing Member, Adam T. Hark, shared his end-of-year letter expressing his gratitude and offering a few predictions for 2025. Now, halfway
July 18, 2025
It’s Not the Coins, It’s the Blockchain (Part …eh, I’ve stopped counting)
In the U.S. the Fourth of July week typically coincides with a dearth of commercial activity. For many, it’s the hallmark of the start of
July 13, 2025
The Circle Fiserv Partnership: Taking Payments Beyond the Point of No Return
In June 2025, Circle Internet Group, Inc. (NYSE: CRCL), a prominent organization in the stablecoin sector, announced a global partnership with Fiserv, Inc. (NYSE: FI),
July 3, 2025
Prepaid Rails: The Innovation Engine Behind Fintech’s Growth in North America
Prepaid payments have quietly become one of the most important innovation enablers in the fintech world. Once seen as simple gift cards or temporary solutions
May 1, 2025