Authorised harm
Payments that are technically authorised, but shaped by misunderstanding, pressure, poor disclosure or weak consumer recognition.
I explore fraud, scams, subscription traps and the polite machinery of modern consumer harm — where payments may be technically authorised, but the journey that produced them deserves far better questions.
Economic crime practitioner • Researcher • Speaker • Consumer harm obsessive, unfortunately
I want to help organisations, policymakers and the public better understand the space between outright fraud and ordinary commerce: where harmful journeys can look legitimate, consent can be captured rather than meaningfully given, and consumers are too often blamed for behaving predictably.
The concern is not simply whether a box was ticked or a payment approved. It is whether the wider journey created genuine attention, understanding and intent — or merely produced a record that says it did.
The goal is not paranoia. The goal is better questions, better systems and less preventable harm.
My work sits across economic crime, consumer protection, behavioural design and payment systems — especially the parts that refuse to fit neatly into one department’s definition.
A perfectly normal number of things to be mildly furious about.
Payments that are technically authorised, but shaped by misunderstanding, pressure, poor disclosure or weak consumer recognition.
Journeys that turn one-off intent into recurring payment through low-salience terms, cancellation friction and predictable inertia.
How sponsored ads, app stores, marketplaces and familiar interfaces lend credibility to harmful or fraudulent journeys.
Not a label for “other people”, but a context that systems can create, exploit or quietly ignore.
Turning complex economic crime patterns into practical, memorable learning that helps people recognise risk earlier.
How automation and generative AI are changing deception — and how prevention can adapt without losing ethics or human judgement.
I’m an economic crime practitioner and researcher with frontline experience across fraud, disputed payments, customer vulnerability and emerging digital harms.
My work sits at the intersection of economic crime, consumer protection, behavioural design and payment systems. I’m especially interested in cases that are not always cleanly “fraud”, not simply ordinary buyer’s remorse, but still produce predictable and scalable harm.
I hold an MSc in Cybercrime and regularly develop training, presentations and research-led insight around fraud typologies, digital consent, subscription traps and the authorisation paradox.
My value is translating messy customer harm into language, frameworks and questions that organisations can actually use.
I speak and write about fraud, scams, consumer harm and the systems that allow harmful journeys to appear legitimate. My style is accessible, evidence-led and human — because a seventy-slide deck does not automatically constitute clarity.
For speaking, collaboration, commentary or research conversations, drop me a line. Interesting diagrams are not mandatory, but they are always welcome.
By emailing me, you agree that I may reply enthusiastically, possibly with diagrams.