If trust is fragmenting, does more data actually change behaviour at the point of purchase?
In this episode, Charlie speaks with Raja Darbari, co-founder and CEO of Ample, whose earlier roles included HSBC and Barclays.
The premise is straightforward. Payments are one of the few systems people use every day at scale, so Ample places merchant-level sustainability and social data directly into that flow. The intervention happens at the moment of transaction, not before it.
The model is intentionally light-touch. Provide clearer information about who a consumer is buying from and allow that to shape future decisions. But the constraints remain stubborn. Cost, convenience and habit continue to dominate, even when better data is available.
Trust is the more difficult variable. More information does not resolve disagreement if the source itself is questioned. Verification can improve confidence, but it does not create shared agreement, particularly in an environment where competing claims are easy to produce and difficult to adjudicate.
💡 The article discussed
Publisher:
@axios
Author:
@zacharybasu
Global trust data finds our shared reality is collapsing. The article argues that the basic conditions for shared understanding are weakening, with people no longer accepting the same sources, authorities or even the legitimacy of disagreement. Trust is shifting toward smaller, more localised networks.
The episode brings that into a commercial setting. Even when information is embedded directly into behaviour, it still competes with price and routine, and now also with declining confidence in the systems providing that information. Visibility improves access, but it does not guarantee influence.
🎯 Who’s this for?
Payments and banking leaders, ESG and data teams, and product owners building consumer-facing financial tools.
#TrustEconomy #PaymentsInnovation #ConsumerBehaviour #SustainableFinance