My background is in economics and finance, but grew to be a contemporary business historian.

I am interested in the long-term nature of technical innovation in the retail banking sector, particularly issues around payment systems (such as the cashless society and ATMs). So my take is how to use the historical record to inform current issues on the future of money.

I have a been a consultant for the likes of the BBC, Jefferson Smurfit Group and IBM. More recently, I published a book on the history of the cash machine (called "Cash Box" with Tom Harper) and have been guest speaker on payments for the Federal Reserve Bank of Kansas City, David Birch's Tomorrow's Transaction Forum and the International Payments Summit.