23 hours agoA deep-dive into BaaS, Open Banking and Embedded Finance; Apple’s fintech strategy; Understanding PSD3: Anticipated Market Impact And Preparing for Changes;In this edition: 1️⃣ Short sellers target Metro Bank ahead of crucial shareholder vote 2️⃣ Allianz suing Revolut for £10.4m over axed travel insurance deal 3️⃣ Walmart-Backed PhonePe Likely To Enter Consumer Lending Space By Jan 4️⃣ A deep-dive into BaaS, Open Banking and Embedded Finance 5️⃣ U.S. card companies Visa, Mastercard and…Embedded Finance8 min readEmbedded Finance8 min read
Nov 22Navigating the Storm: Understanding the Decline of Payment Stocks; Building a credit card payment processing platform on AWS — Part 3; Binance CEO CZ steps down as part of $4 Billion settlement;In this edition: 1️⃣ Alphabet fund spells bumper valuation for UK digital bank Monzo 2️⃣ Petal Card, the fintech backed by Peter Thiel’s Valar Ventures, goes up for sale 3️⃣ US Is Seeking More than $4 Billion From Binance to End Case 4️⃣ Navigating the Storm: Understanding the Decline of Payment Stocks 5️⃣…Card Payment9 min readCard Payment9 min read
Nov 19Deep Dive: Navigating the Storm: Understanding the Decline of Fintech StocksThe fintech sector, once hailed for its disruptive potential, is not immune to external pressures and challenges. Yet, within these challenges lie opportunities for growth and innovation. In this edition: Rising Interest Rates and Impact on Fintech Stocks Increased Competition in the Fintech Sector Valuation Concerns and Their Role in Fintech Stock Decline …Fintech11 min readFintech11 min read
Nov 15Top countries for fintech in 2023; Banking-as-a-Service market map for card issuance; Block, Jack Dorsey-led tech giant slashes a thousand more jobs;In this edition: 1️⃣ Klarna launches global rollout of creator and retailer growth tools 2️⃣ Wise halts new UK and EU business customers amid capacity strains 3️⃣ Block, Jack Dorsey-led tech giant slashes a thousand more jobs 4️⃣ The superapp model 5️⃣ The development of open banking amid today’s digital payment landscape 6️⃣…Embedded Finance9 min readEmbedded Finance9 min read
Nov 8Block’s stock price is down 80%; Klarna returns to profitability as more shoppers borrow; Adyen’s fighting to scale and PayPal is fighting to keep it;In this edition: 1️⃣ Plaid enters the lending business with consumer reporting agency (CRA) services 2️⃣ Klarna returns to profitability as more shoppers borrow 3️⃣ Block’s stock price is down 80% 4️⃣ Building a Credit Card Payment Processing Platform on AWS — Part 2 5️⃣ Adyen’s fighting to scale and PayPal is fighting…Embedded Finance6 min readEmbedded Finance6 min read
Nov 5Deep Dive: Web 1.0, Web 2.0, Web 3.0: How Digital Payments Have Changed Over TimeDigital payments have evolved from limited options in Web 1.0 to diverse and innovative methods in Web 2.0 and Web 3.0 in just over three decades. We will dive deep into: The Evolution of Digital Payments in the Age of the World Wide Web Digital Payments in Web 1.0 (1990s) Digital Payments in Web 2.0…Payments17 min readPayments17 min read
Nov 1Digital bank Monzo in talks to sell new £300m stake; Elon Musk wants X to replace banks; The Evolution of Banking-as-A-Service;In this edition: 1️⃣ Digital bank Monzo in talks to sell new £300m stake 2️⃣ Elon Musk wants X to replace banks 3️⃣ Apple Pay Later officially launched for all qualifying U.S. residents 4️⃣ Popular Use Cases Of Generative AI In Banking 5️⃣ Navigating the Tightrope: Revolut’s Super App Ambitions 6️⃣ Pipe dream…Banking As A Service9 min readBanking As A Service9 min read
Oct 25Stripe embeds A2A payments in checkout with TrueLayer; Building a credit card payment processing platform on AWS; State of Fintech Q3’23;In this edition: 1️⃣ Nubank applies for a banking license in Mexico 2️⃣ Stripe embeds A2A payments in checkout with TrueLayer 3️⃣ Business model: How BaaS platforms help brands monetize 4️⃣ Payments: The once and the future fintech king 5️⃣ What is FedNow Relative to Other U.S. A2A Initiatives? 6️⃣ Building a Credit…Fintech9 min readFintech9 min read
Oct 22Deep Dive: NeobankingIn this edition: What is a Neobank? Neobanks vs Traditional Banks: Understanding the Key Differences Challenges Faced by Neobanks The Future of Neobanks What is a Neobank? Neobanking, a term that has gained considerable attention in recent years, refers to a revolutionary approach to banking services. Unlike traditional banks, neobanks operate solely through digital…Neobanks8 min readNeobanks8 min read
Oct 18FCA and Modulr agree on customer onboarding restrictions; Difference between Embedded Finance and Banking-as-a-Service; The rise of payment orchestration platforms;In this edition: 1️⃣ FCA and Modulr agree on customer onboarding restrictions 2️⃣ Goldman Sachs exec reportedly regrets Apple savings account, wants out of ‘this f–king thing’ 3️⃣ Armed with $40M in fresh capital, fintech Stash says it’s moving toward an IPO 4️⃣ Difference between Embedded Finance and Banking-as-a-Service 5️⃣ The opportunities: global…Embedded Finance8 min readEmbedded Finance8 min read
