David Birch
Financial Technology Expert
David Birch is an author and expert on digital payments and identity, advising organizations on fintech solutions.
Cited In
1 Article
Financial Technology (FinTech)
Is the Promise of Interoperable Digital Wallets Finally Ending Financial Fragmentation — or Creating a New Layer of Complexity Nobody Asked For?Could interoperable digital wallets finally unite a fragmented payment landscape — or just add a new layer of confusion? Kathy Kraninger sees a path toward consumer convenience and financial inclusion, David Birch warns that connecting every wallet to every other wallet creates new security and complexity risks, and Michele Cagan cautions that even a seamless wallet can encourage reckless spending without financial education to back it up.