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If Big Banks Win Embedded Finance Innovation Dies

Nov 3, 2024

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18 min read

If Big Banks Win Embedded Finance Innovation Dies

As consent orders have risen, the number of new Fintech companies has cratered. If this continues we'll lose on new financial inclusion, and financing start-ups that create jobs and growth. We must fix this.

Simon Taylor
Simon Taylor
Why did Stripe spend $1.1bn on a Series A Stablecoin startup?

Oct 27, 2024

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29 min read

Why did Stripe spend $1.1bn on a Series A Stablecoin startup?

Because Stripe needs a paradigm shift to drive international growth. Stablecoins are exactly that.

Simon Taylor
Simon Taylor
Consumer AI Agents in Fintech

Oct 20, 2024

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22 min read

Consumer AI Agents in Fintech

Would you ever trust an AI Agent to manage your finances? Plus; As the great de-risking of banks under consent orders continues, Column is a name that keeps popping up. My take inside.

Simon Taylor
Simon Taylor
We need to talk about scams

Oct 13, 2024

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28 min read

We need to talk about scams

They're the perfect crime. Nobody is liable and with RTP they're easy to get away with. We can fix this, but we've got to up our game.

Simon Taylor
Simon Taylor
Why Walmart is doing Pay by Bank

Oct 6, 2024

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16 min read

Why Walmart is doing Pay by Bank

They're motivated, Pay by Bank is increasingly regulated and the consumer experience has never been better. But this is a payments business not an aggregator business.

Simon Taylor
Simon Taylor
The next big Fintech Ecosystem will be MENA

Sep 29, 2024

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28 min read

The next big Fintech Ecosystem will be MENA

Plus; The DoJ's lawsuit against Visa is weird to me and Plaid's plan to revive growth has no obvious right to win, but don't count them out just yet.

Simon Taylor
Simon Taylor
New FIDC rule proposed. Plus does every Neobank need to become a bank?

Sep 22, 2024

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25 min read

New FIDC rule proposed. Plus does every Neobank need to become a bank?

Probably yes. Revolt is. Nubank is. Who's next is a matter of timing and priorities. The new FDIC rule is smart but only a start.

Simon Taylor
Simon Taylor
The rise of AI Agents in Financial Services

Sep 15, 2024

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25 min read

The rise of AI Agents in Financial Services

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.

Simon Taylor
Simon Taylor
The next cross border rail will be 10x more efficient

Sep 8, 2024

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29 min read

The next cross border rail will be 10x more efficient

International Wires, local clearing all have a last mile problem. There's a third rail now finally, getting traction. Stablecoins.

Simon Taylor
Simon Taylor
The future of Underwriting with Generative AI and Transformers

Sep 1, 2024

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24 min read

The future of Underwriting with Generative AI and Transformers

A more efficient algorithim will always be an edge; if you have enough data and experience to exploit it

Simon Taylor
Simon Taylor
🧠 Why doesn't the USA have a Nubank scale Digital Bank?

Aug 25, 2024

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28 min read

🧠 Why doesn't the USA have a Nubank scale Digital Bank?

The USA doesn't have a digital-only bank at the 100m+ user scale. Regulation, competition and fragmentation make this hard, but not impossible.

Simon Taylor
Simon Taylor
🧠 What the heck is a brokered deposit anyway?

Aug 18, 2024

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23 min read

🧠 What the heck is a brokered deposit anyway?

The Proposed FDIC Brokered Deposit rule wouldn't solve SVB or Evolve/Synapse, but it would make small banks less safe and sound

Simon Taylor
Simon Taylor
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Fintech Brainfood

Fintech Brainfood

Food for thought about Finance, AI and the future of money.


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