Chris Smith has both technical perspectives, and is the technical editor of mutatron - whatever THAT means. While writing this up, he was surprised to realize that he has decades - plural! - of experience in the software and technology industry, and more than a decade in banking and payments. When did that happen?
Mutatron comes down to a simple idea - Chris had considered an online publishing idea for some time, but had nothing that needed to be said that loudly. When that changed, Mutatron appeared.