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Commentary on finance, law, artificial intelligence, and the spaces where they intersect.

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FeaturedAIFinanceLawResearch

Algorithmic Injustice: How AI Credit Scoring Trained on US and EU Data Systematically Misprices African Credit Risk

A research analysis of South African lending markets showing how training distribution mismatch in imported credit AI systems drives systematic risk mispricing and financial exclusion.

Key theme: AI + Finance + Law + Research — where professional practice meets emerging capability.

02 Mar 202618 min read

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FeaturedAILaw

Why AI Will Not Replace Lawyers — But Will Eliminate Mediocre Ones

The automation of routine legal tasks is accelerating. The question is not whether AI changes legal practice, but which lawyers are prepared for it. The answer has more to do with judgment than technology.

Key theme: AI + Law — where professional practice meets emerging capability.

14 Feb 20256 min read

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FeaturedAIFinance

Using GitHub Copilot for Financial Modelling: A Practitioner's Notes

AI pair programming tools like Copilot are not just for software engineers. Here is how I use Copilot to accelerate financial model construction in Python and TypeScript.

Key theme: AI + Finance — where professional practice meets emerging capability.

28 Nov 20247 min read

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FinanceMarkets

SARB Rate Decisions in an Uncertain Macro Environment

South Africa's monetary policy committee faces a genuinely difficult set of trade-offs heading into 2025. Here is a structured framework for thinking through the likely outcomes.

02 Jan 20258 min read

LawOpinion

Completing an LLB While Working Full-Time: What I Have Learned

It is possible. It requires system, not willpower. After 18 months, here are the tools, routines, and mental models that have made the difference.

12 Dec 20245 min read

LawFinance

The FSCA Regulatory Sandbox: What Fintech Founders Need to Know

South Africa's financial regulatory sandbox is one of the most under-utilised pathways for fintech entrants. A clear breakdown of the process, requirements, and strategic implications.

15 Oct 20249 min read

Opinion

The Interdisciplinary Advantage: Finance Plus Law

Most professionals optimise deeply in one domain. A smaller group builds bridges between two. The bridges are where the most interesting and valuable work lives.

03 Sept 20244 min read

Writing Philosophy

How I approach the page

These are the principles that guide what I write and how I write it. They reflect a belief that professional writing should be useful, not performative.

Clear writing is clear thinking made visible.

New pieces published regularly across finance, law, and AI. Each one tries to say something specific and useful.

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