SaaS Embedded Payments Accelerating in Europe
Video Summary Introduction The evolution of SaaS embedded payments is the preeminent theme in merchant payments in North America and is also now increasingly in Europe. The U.S. market remains the clear bellwether of SaaS + payments disruption, but the U.K. and Europe are fast followers as the shift towards integrated payments gathers speed. ISVs/SaaS […]
Unsuccessful Investment in German PSP Unzer
Image Credit: Unzer.com Introduction For the better part of two decades, from c. 1995 to 2015, private equity investments into merchant payments were practically failproof. Deal after deal delivered solid, if not exceptional returns buoyed by strong fundamental electronic payment growth tailwinds, and a business model with naturally strong scale economies. By the late 2010’s […]
Scope and Scale of the Apple Fintech Ecosystem
Apple effectively discloses no data on its fintech business, forcing us to speculate on the size and substance of this franchise. There are plenty of wacky numbers floating around as to Apple’s scale in fintech, including one widely quoted data point that Apple processes $6 trillion of payments volume annually (claiming to be more than […]
Infographic: MENA Fintech Landscape, 2022
General Observations The Fintech landscape in MENA is developing rapidly including many start-ups and heavy investment in recent years. Payments, in particular merchant payment acceptance, is one of the largest verticals for investment activities. The MENA fintech sector attracted $519 mil. of fundraising and 92 newly launched fintech start-ups in 2021. Both external investors and […]
Infographic: Stripe Setting the Performance Bar in Fintech
INFOGRAPHIC: Stripe Setting the Performance Bar in Fintech Please do not hesitate to contact Charlotte Al Usta Charlotte@FlagshipAP.com or Aigerim Assembayeva Aigerim@FlagshipAP.com with comments or questions.
Payments User Experiences in the Metaverse are Clunky Today
Payments use cases and services adapt to life and our changing commerce experiences. In the late 90’s and early 2000’s, payments evolved to meet the needs of e-commerce. In the 2010’s, payments evolved for mobile commerce. The next horizon of payments evolution is the Metaverse. In this article, we discuss the reality of nascent payments […]
Nubank IPO Sets the Target for Neobanking in LatAm
On 9 December 2021, Brazil-headquartered neobank Nubank made an impressive debut on Wall Street, raising $2.6 bil. on the NYSE, with an implied market capitalization of $50 bil. at IPO (now down to $43 bil.). Nubank is now the third-largest company by market capitalization in Brazil. Although the company is still unprofitable, it has a […]
Investors Love SaaS Fintech
*This is the third of a three-part series in which we examine the evolution of software-integrated payments and fintech. In this third part, we look at how integrated payments are driving value creation for SaaS public equity investors.
Best Practices in SaaS-Payments Across Verticals
*This is the second in a three-part series in which we examine the evolution of software-integrated payments and fintech. In this second part, we analyze the best practices of SaaS platforms and ISVs offering integrated payments across verticals.
The Evolving, Massive, Global Potential of SaaS-fintech
*This is the first in a three-part series in which we examine the evolution of software-integrated payments and fintech. In this first part, we explore the evolutionary journey for software providers and the globalization of the SaaS-payments business model.