Banking
From deposit flows to lending structure — operational depth and strategy.
Building at the intersection of banking and technology.
I'm Sage — I work in banking and build web products. I write about credit risk, financial systems, cyber security, and how modern software changes both.
Focus
- Banking
- Web Dev
- Credit Risk
- Crypto
- Cyber Security
About
I help bridge finance and software — designing credit risk models, building web applications, assessing cyber risk, and exploring crypto's implications for payments and markets. 🇬🇧 🇿🇦
Principles
- Practical > theoretical; ship, then refine
- Clarity and simplicity in systems
- Skin in the game
“It is not the critic who counts... The credit belongs to the man who is actually in the arena...”
Focus
Five pillars of work and writing.
Web Development
Modern, performant interfaces — thoughtful UX and robust engineering.
Credit Risk
Pragmatic modeling and controls that serve customers and P&L.
Crypto
Infrastructure, issuance models, and market design with a risk lens.
Cyber Security
Risk assessment, operational resilience, and practical frameworks for leadership teams.
Cyber Security
Thoughts on cyber risk as a business and operational resilience issue.
My Perspective
Cyber risk has moved from being a technical problem to a leadership problem. Every organisation in the UK — private sector, public sector, regulated or not — is now connected to a threat landscape shaped by criminals, hostile states, supply-chain failures and simple human error.
For most organisations, the biggest issue isn't a lack of tools — it's a lack of clarity. Leaders don't have a clear picture of "what's at risk" or "what we would actually do if something went wrong."
Why It Matters
Cyber incidents now regularly affect councils, NHS trusts, financial institutions, schools, and SMEs. Attackers don't think in sectors; they think in opportunities.
Cyber is now part of operational resilience. It's part of finance. It's part of governance. It's part of national security.
Strengthening cyber risk management isn't just about protecting an organisation — it's about strengthening the wider UK ecosystem. Every organisation with good cyber hygiene reduces overall national exposure.
Selected Work
Practical builds and experiments.
Recent Writing
Selected posts and notes.
- How Cyber Attacks Happen: Attack Methods Explained
- Cyber Attack Stories: What We Can Learn from Real Incidents
- Cyber Risk Assessment (UK) — A Practical Blueprint for Leadership Teams
- Interactive Loan Data Analysis in the Browser with TensorFlow.js
- Building Laybella.co.uk with WordPress and WooCommerce
- Building CastleWatch: My Journey into Web Development
- Peak: Secrets from the New Science of Expertise
- 4,000 Weeks: Time Management for Mortals
- Deep Work for Innovation
- 4 Mortgage Mega Trends
- The Twitter Bot Problem and First Principles
- The Science and Technology of Growing Young