I’ve always been fascinated by how money moves — how it flows between people, businesses, banks, markets, and governments, and how the systems built around it shape the world we live in.

I have an MBA and have spent my career across banking, management consulting, and financial services. My journey eventually brought me to the UAE, where I now work in an environment surrounded by bankers, product specialists, lawyers, technologists, blockchain experts, and others working at the intersection of finance and technology.

And that’s where something interesting happened.

I found myself in conversations about things like tokenisation, custody, smart contracts, settlement, investor protection, and financial regulation. I understood finance. I understood banking and financial products. But some of these concepts were new enough that I couldn’t always follow the conversation as deeply as I wanted to.

So I did what I’ve always done when I encounter something I don’t understand.

I went home and started researching.

I went back to the basics. I asked questions. I tried to understand not just what something was, but why it existed, how it worked, and how all the pieces fitted together.

And I realised something: if someone with a background in finance could still feel lost when confronted with a new part of the financial system, there must be many others who feel the same way.

That’s where the idea for Matters of Capital came from.

Because the more I learn about finance, the more I realise that the interesting part isn’t simply knowing the terminology. It’s understanding the systems behind it — how money moves, how institutions interact, how markets function, how technology changes those systems, and ultimately, where capital goes and why.

The fun in learning is sharing.

Matters of Capital is my way of doing that.

It’s a place to explore finance from first principles, make sense of what’s happening in the financial world, and understand the ideas and systems behind it — from banking and markets to fintech, blockchain, and everything in between.

I don’t have all the answers. I’m learning too.

But I believe complex financial ideas can be understood if we take the time to break them down, ask the right questions, and follow the flow of capital.

Welcome to Matters of Capital.