We study the systems, incentives, technologies, and behaviors that determine how money moves.
Why OrangeTower exists
Financial infrastructure underpins almost every economic transaction, but the systems underneath everyday payments are often poorly understood outside the industries operating them.
OrangeTower studies those systems through economics, data, market research, history, technological investigation, and international comparison.
Our approach
Start with the system
Understand the infrastructure underneath the visible product.
Follow the incentives
Study how consumers, merchants, banks, networks, platforms, and governments respond to economic incentives.
Study actual behavior
Technology matters when people adopt it.
Look globally
Different countries have developed radically different financial infrastructure.
Explain clearly
Complex systems should be understandable without sacrificing analytical rigor.
Zhangir "John" Murat
John's work focuses on economics, payments research, quantitative analysis, and financial technology — with particular attention to how infrastructure decisions shape consumer payment behavior across markets.