About Me

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.