Heuristics vs Traps
Mila Agius, Daryna Karuna, Dr Oleg Maltsev, Costantino SlobodyanukBehavioural psychology, fintech and durable communities. I look at trust, incentives, belonging and the early signals that show why some human systems last while others fall apart.
| Platform |  | Pricing | Only free issues | Publishes | Weekly |
|---|---|---|---|---|---|
| Issues | 81 | Founded | a year ago | Last Issue | 10 days ago |
| Active | |||||
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agiusmila.substack.comLatest Issues
When a Community Becomes an Economy
TL;DR: This is the final article in a series about how a customer becomes a participant, how a participant becomes useful to others, and how repeated usefulness begins to shape the internal structure of a community. The last step starts w...
How Communities Begin Creating Value
TL;DR: Companies have grown comfortable with creating value for customers and receiving loyalty, attention or money in return. But we already have existing systems where a great deal of value is created between members. Consistent usefuln...
Your Community Has a Structure You Don’t Control
TL;DR: This article is about the person inside the community, not the platform, the metrics, or the brand around it. Because in the end, the most important asset in any community is the individual who makes other people more capable, more...
What If Loyalty Made the Customer More Valuable?
Loyalty programmes have become highly optimised and highly reproducible. This is the first piece in the series I announced here, looking more closely at what businesses may need to rethink about the relationships they build around people....
Elon Musk’s AI Forecast and the Architecture of 2040
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On 23 July 2026, Elon Musk gave an interview to The Economist. Zanny Minton Beddoes, editor-in-chief of the magazine, came to the Texas Gigafactory. Part of the conversation focused on Musk’s view of what the world will look...
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Authors
The writers behind this newsletter.
Behavioural psychologist, 10+ years in fintech, and author of Fintech Novel 2040. My work explores what makes communities durable — how trust, belonging, incentives and shared memory turn audiences into systems that survive change.
See what the org chart, dashboard and AI don't show you. I write for founders, CEOs and advisors about people, power, hidden dependencies and behaviour under pressure. QuorumLab.
Ukrainian scholar and field researcher studying how to make the unknown understandable — then turn understanding into practical results.
Researcher and journalist who digs into accepted ideas, checks the sources behind them, and shows where evidence ends and repetition, myth or convenient history begins.
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