Deeper dives into Fintech and Finance, food for your Brain.
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While 99% of companies are talking a good game, a small few are winning. Ignore the hyperbole; there's a platform shift happening, but not with co-pilots.
International Wires, local clearing all have a last mile problem. There's a third rail now finally, getting traction. Stablecoins.
A more efficient algorithim will always be an edge; if you have enough data and experience to exploit it
The USA doesn't have a digital-only bank at the 100m+ user scale. Regulation, competition and fragmentation make this hard, but not impossible.
The Proposed FDIC Brokered Deposit rule wouldn't solve SVB or Evolve/Synapse, but it would make small banks less safe and sound
Is the fed action operation chokepoint or a nothing burger?
What do mobile banking, BNPL, and embedded finance have in common? They were all once "too small to matter."
Great UX reduces CAC, Cost to Serve and increases cross sell. Plus, my take on the Mercury / Choice / De-risking Saga.
f/acc. Finance accelerated. It's about embracing fintech's potential while responsibly managing risks.
Fintech's current revenues of $320 billion represent just 3% of financial services, and they're predicted to balloon to $1.5 trillion by 2030
Plus: The fallout from the Evolve hack as Affirm, Stripe and more potentially impacted
The entire category if company is winning because incumbent solutions are poor, and new companies demand solutions that are 100x more efficient
