Executive Interview Series: Open Banking Payments with Todd Clyde, CEO of Token
Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry. The series offers diverse perspectives on everything from market developments to strategy to commentary on developments in the industry. This edition puts the spotlight on open banking developments in Europe. Flagship Advisory Partners met with […]
European Accounting Platforms Have Huge Opportunity in Payouts
Accounting software platforms that power SME financial and business administration offer massive potential for integrating fintech services. The power lies in the many touchpoints that accounting software offers for integrating a broad array of fintech services from various payment services to lending, card issuing, FX, and core banking services. Payouts to suppliers is the most […]
Infographic: Development of C2B Crypto Commerce Driving Huge Investments and New Fintech Business Models
Crypto Starting to Realize its Promise in Payments
Crypto’s Evolution From a ‘Store Of Value’ to a ‘Medium Of Exchange’ Despite its recent dip, 2021 was a breakthrough year for crypto, with its market capitalization rising by 188% to reach ~$3 trillion in November 2021. Crypto’s profile and growth to date has derived from its utility as a store of value, but we […]
Infographic: Open Banking Tech Platform Valuations at All Time High as Investors Eye Future Opportunities
General Observations Open banking technology platforms exhibit double and triple-digit revenue growth (figure 1) These platforms showcase triple-digit revenue multiples: Truelayer, Railsbank and Tink have valuations of more than 100x revenue (figure 2) High M&A and funding activity drives growth and valuation, and the cards schemes are also in the game (figure 2) Data aggregation […]
Serrala & Tink Partnership: Genesis of Open Banking in B2B Payments
As we explored previously in this article, the integration of software and payment services in European B2B/corporate payments is relatively immature compared to the US. There is, however, great potential for this trend given Europe’s robust bank payments infrastructure and shift towards open banking. Most of the early adoption of open banking has focused on […]
P27 Illustrates the Potential for Modern A2A Rails to Spur Fintech Innovation
Even payments and fintech experts often think of the Nordics as a single market with common consumer behavior, business demographics, and culture. While there are similarities, each Nordic market has a distinct payments infrastructure. The bank systems and networks are fragmented, built on domestic rules which make intra-Nordic cross-border transactions cumbersome. Nonetheless, this is set […]
Dissecting the European Open Banking / PSD2 TPP landscape
Since the introduction of PSD2 and open banking regulations in early 2018, 451 third party providers (TPPs) have procured licenses for payment services (PIS) and account services (AIS). Out of the 451, 422 are currently active.
The Paypers: Who’s Who in Payments Report 2021
Flagship recently supported the development of The Paypers’ Who’s Who in Payments report for 2021, and would encourage everyone to download the report for great market and participant insights.
The Processing Landscape for Card Issuing and A2A Payments in 2021
Issuer card processing and financial institution account to account processing have evolved dramatically in the past ten years. What used to be an (arguably) commoditized landscape of providers with a clear delineation between card issuing and account to account payments has undergone significant shifts in technology, business models, and new entrants. Below we examine the […]