Sep 15, 2024
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25 min read
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.
Sep 8, 2024
29 min read
International Wires, local clearing all have a last mile problem. There's a third rail now finally, getting traction. Stablecoins.
Sep 1, 2024
24 min read
A more efficient algorithim will always be an edge; if you have enough data and experience to exploit it
Aug 25, 2024
28 min read
The USA doesn't have a digital-only bank at the 100m+ user scale. Regulation, competition and fragmentation make this hard, but not impossible.
Aug 18, 2024
23 min read
The Proposed FDIC Brokered Deposit rule wouldn't solve SVB or Evolve/Synapse, but it would make small banks less safe and sound
Aug 11, 2024
Is the fed action operation chokepoint or a nothing burger?
Aug 4, 2024
21 min read
What do mobile banking, BNPL, and embedded finance have in common? They were all once "too small to matter."
Jul 28, 2024
Great UX reduces CAC, Cost to Serve and increases cross sell. Plus, my take on the Mercury / Choice / De-risking Saga.
Jul 14, 2024
20 min read
f/acc. Finance accelerated. It's about embracing fintech's potential while responsibly managing risks.
Jul 7, 2024
19 min read
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
Jun 30, 2024
Plus: The fallout from the Evolve hack as Affirm, Stripe and more potentially impacted
Jun 23, 2024
The entire category if company is winning because incumbent solutions are poor, and new companies demand solutions that are 100x more efficient
