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Marcus Delray is an independent fintech and digital-risk analyst who writes about how artificial intelligence, fraud, online scams, payment systems, and modern financial technology intersect in the real world. He founded Tech Capital Hub to make complex technology, trust, and risk topics accessible to consumers, business owners, and decision-makers navigating an increasingly automated financial landscape.
His work covers the real-world use of AI in fraud detection, digital trust and safety, financial operations, online scam prevention, regulatory technology, and business systems. He focuses on evaluating where intelligent tools genuinely improve decision-making and where human judgment still matters most, especially in areas involving financial manipulation, consumer harm, and automated risk.
My advisory and research work focuses on:
AI Fraud Detection & Digital Risk: Evaluating scam detection gaps, trust-and-safety systems, identity risk, and AI-enabled fraud patterns affecting consumers and businesses.
Financial Systems & Automation: Analyzing AI-driven finance workflows, cash flow systems, and operational tooling for startups and SMBs.
Consumer Safety & Scam Prevention: Breaking down romance scams, pig butchering, identity theft, and manipulation tactics into practical, evidence-based guidance.
Fintech Infrastructure & Emerging Risk: Covering payment technology, RegTech, blockchain systems, and the tradeoffs that come with automation in finance.
As the founder and lead writer of Tech Capital Hub, I translate complex shifts in capital markets, RegTech compliance, and automated banking into highly actionable guides for business leaders. My fintech insights have been featured in CFO Magazine and published through the American Institute of CPAs (AICPA).
Let’s connect if you are looking to audit your financial tech stack, optimize your working capital with predictive tools, or discuss the future of decentralized finance.
Marcus Delray | Background & Experience
10+ years researching financial technology, payment systems, automation, and digital risk
Hands-on evaluation of AI-powered fraud detection tools, fintech platforms, identity-risk solutions, and trust-and-safety workflows
Ongoing analysis of scam patterns including romance scams, pig butchering, synthetic identity theft, and payment fraud
Coverage of blockchain, RegTech, AI risk, and consumer-facing financial technology trends
Author of in-depth guides on AI in finance, fraud prevention, identity protection, and digital trust at Tech Capital Hub