Matt Jones

I've often struggled to find data on real-time payments systems so I decided to make a dashboard You can compare systems, and view volume and value in some cases going back over a decade (FPS) Feedback welcome! rtpdashboard.net

@arisroussinos I didn’t enjoy being forced to learn it in school up until GCSE but now I value it and wish I could speak it a lot better

Wales’ success in keeping Welsh alive is genuinely impressive and worth emulating

@JayHoovy I’m a millennial and never looked back

@mttjon thank you… I feel like a boomer

Top 5 worst parts of the new iOS update. I’ll go first: 1) screenshotting takes 3x longer (so many buttons now…) 2) no idea how to switch tabs in safari 3) useless AI features: message summaries are stupid and unneeded 4) iMessage search doesn’t work 5) new Recent Calls UI sucks Perfect example of fixing something that wasn’t broken. Steve Jobs is rolling in his grave.

Labour quietly drops key leasehold pledge – but promises right to faster Wi-Fi telegraph.co.uk/money/property…

@D__Melb @keiranpedley @Ipsos_in_the_UK @Ben_Roff17 I don’t deny the basics but the north west is a lot broader than the specific constituency

@mttjon @keiranpedley @Ipsos_in_the_UK @Ben_Roff17 The overall NW sample will include a lot of pro Reform places and Reform have a much better favourability than Labour in this sample. Yet Burnham still has far better net ratings than anyone or any party on this list

NEW from @Ipsos_in_the_UK: % of adults in the north west of England favourable towards parties & leaders. - 48% favourable towards Andy Burnham. - 22% favourable towards the Labour Party Feels significant. Reform / Greens top but for Burnham. analysis by @Ben_Roff17

@ry_paddy @isnit0 Easy to do if you’re rich Not so much if you haven’t got money to pay the bills

@mttjon @isnit0 We need to go and be politicians tbh

My generation in Britain has a really stark decision to make: - continue to live off the decaying infrastructure built by our great grandparents - or build the infrastructure and technology that will benefit our great grandchildren I know which option I'm going to take.

Your tweet archive is formidable! All these were largely pushed by American companies My favourite was omni-commerce which was pushed as an Americanism for omni-channel or multi-channel… But totally meaningless — seeing a lot of this with AI stuff these days In the UK we would have likely called e-commerce “shopping online” if it was just down to us

@mttjon Be grateful we're about 5 years past the space race to claim each [LETTER]-commerce. Payments on your TV? T-Commerce. On mobile? M-Commerce. Facebook? F-Commerce. Chat? C-Commerce. This was a classic of the genre: x.com/rob2775/status…

How can you tell an American has written something at a payments company especially more legacy ones — the word commerce… Something Brits never say

@LCSlates @KriGunnarsson4 @stripe It used to be possible to blacklist at a merchant level but that’s a lot harder due to tokenisation these days. Likely something like GDPR would make it difficult to share the customer info to block across merchants but I agree the system could be so much better.

@KriGunnarsson4 @stripe I've written about this in the past - albeit on the customer angle. I'd pay several hundred a month to have an accurate list of known customers that do these types of things.

Well so much for that. Already lost. The system is utterly fucked and broken. @stripe 48-page evidence package. Easy to read, Table of contents, filled with visuals (a junior bank employee could easily understand everything). The customer used the product for 49 days, was logged in 13 hours before filing the chargeback, then canceled the subscription 5 hours after the dispute was already filed. *Technically they are still ACTIVE. Here's everything we submitted: PAYMENT INTEGRITY • AVS postal-code check: PASS • CVC check: PASS • Stripe Radar score: Normal (22 / low risk) • Auth success rate on customer email: 100% • Card brand, last-4, fingerprint, exp, billing ZIP all confirmed by issuer CUSTOMER USE POST-CHARGE • 35 distinct active days in 49 days • 393 authenticated session-refresh events • 17 long-form SEO articles generated • 18 AI images generated • 3 WordPress sites configured (admin credentials added) • 4 Google accounts authenticated via OAuth • Customer added their own paid OpenAI API key (BYOK) • 4 team members added TIMING • 49 days between charge and dispute • Logged into the dashboard 13 hours BEFORE filing the chargeback • Canceled the subscription 5 hours AFTER the dispute was filed INDEPENDENT IP CORROBORATION • Stripe captured IP at checkout: Manchester, UK • Microsoft Clarity captured 22 of 38 sessions over 60 days: also Manchester, UK • Two unrelated 3rd parties placing the same person in the same city across payment + 60 days of authenticated use THE KICKER - THE CUSTOMER'S OWN PUBLIC WEBSITE CURRENTLY DEPENDS ON OUR PRIVATE CDN • Articles generated on his account are LIVE on his own public WordPress sites • Page source contains img tags pointing INSIDE our private R2 bucket • Last-Modified headers on those CDN files match the EXACT minute his account generated them • Currently fetched by every visitor to his website CRYPTOGRAPHIC IDENTITY CHAIN (Automattic / Gravatar) • Every WordPress author avatar = SHA-256(author email) • 3 of his sites, 3 perfect SHA-256 matches against the gmail addresses in our DB • Automattic has no relationship with us, the customer, or the bank • Effectively unforgeable email-to-WP-admin binding DOMAIN OWNERSHIP (third-party attestation) • Google Search Console verified ownership on 4 separate domains • Public WHOIS: 2 of his domains registered 9 SECONDS APART through the same registrar account • Both registered 5 MONTHS BEFORE he bought our subscription • Pre-existing content business, not a stolen-card test VISA CE 3.0 ELIGIBLE • Same payment credential had a $0.00 trial-start invoice marked "paid" 7 days before the disputed charge • Same customer, email, payment method, subscription • Exactly the prior-undisputed-transaction proof Visa CE 3.0 requires The chargeback dispute system is broken.

Newsflash: The vast majority of AI companies getting large offices in King’s Cross are not startups, right? So all this hype turns out to be for people getting what is effectively corporate jobs. It’s not entrepreneurialism.

@Phat_Zorst @NicholasTyrone Which is a different point to saying he won’t stand … He will

@mttjon @NicholasTyrone There's little chance of Reform winning and if they came close, he'd sabotage it. He won't risk giving up all that money nor being actually held to account. He can't even tell us who bought a house or why he was given £5M. He lies more than #liarjohnson

If Reform wins the Makerfield by-election, I think it will take a miracle for them not to win the general election from there.

I grew up in one of the most pro Labour seats in the UK (old constituency name was Ogmore). But I can’t feel any fondness with today’s Labour party at all. There’s little to no private sector experience in any capacity amongst their MPs (I think only 15% of Labour MPs have any private sector experience) and there’s a disconnect between Labour targeting policies at the “working class” yet Labour’s voters are more likely to be higher earners than lower earners now. There’s challenge is that most politicians don’t really have any useful life expertise consummate with the job. Starmer has shown that leading a big department is no indicator of success in the top elected role in the country. We constantly get policies with no consideration of the second order impacts. This went on a bit long… But yes let’s chat further in a couple of weeks 😊

@mttjon @MerrynSW Maybe - for discussion in Amsterdam! But do you think most MPs are stronger on scientific/medical knowledge, or indeed AI? All of which arguably as important as markets. I'm convinced most MPs don't know the difference between median and mean.I would put statistics high on list

We wrote yesterday that all MPs shoudl have to take a month long economics/finance course before sitting. I think we would add a week on human nature. A reminder that socialism works against it not with it.. which is why it always leads to dictatorship. Seems important.

@Phat_Zorst @NicholasTyrone Farage will stand for PM

@NicholasTyrone Farage will get paid to not stand, he'll do anything for a few £million. If he wins, he'll have to actually do some work and prove he's not all mouth. Oh and give up being bought, which is unlikely given his love for cash.

Trump visited Zhongnanhai this morning, the fortified Beijing compound that serves as the Chinese Communist Party's power center. Few foreign leaders have ever been admitted. The site houses Xi's residence and is where top party decisions are made. It was Trump's second meeting with Xi during his current China visit, seen as a significant gesture of respect from Beijing.

Some of the comments we see about the bond market from MPs are quite something though - a basic level of knowledge about the fact that markets are neutral and are not anti any political faction would be useful but the left often sees markets as “bias” whereas it’s the level of borrowing and how that is cloaked that’s the issue

@MerrynSW You wouldn't have consensus on who teaches that course. The requirements to be an MP are pretty basic, and that's democracy. New MPs have multiple different ideas about what is an important use of their time.

这次英伟达老板黄仁勋，没有跟随特朗普 直接跑到胡同去吃方砖厂炸酱面了 该炸酱面荣获多年的米其林推荐

@Web3Kristel 100% … It’s not free if you have to ramp but this is totally ignored and never mentioned

I'm begging founders to please build for people OUTSIDE of your bubble. Sending stables from one base wallet to another is free, sure. But what happens when I want to turn those stables into HARD CASH so I can use it? Who pays for my fees then? Will Base reimburse those fees? Will Jesse personally reimburse those fees? Get out of your SF/NY bubble and realize that people need fiat to live, stables are not default anywhere yet.

New Substack post Can American Express do what Visa and Mastercard cannot? (with agentic commerce) paymentsculture.com/p/can-american…