Embedded Lending – A Key Growth Opportunity for Fintechs and Platforms
A panel discussion on embedded lending and its massive upside potential. Banks continue to underserve SMB demand, SaaS platforms are in a strong position to monetize, and fintechs are well-positioned to fill gaps in market supply.During the session, we defined the market, illustrated key growth opportunities and use cases, discussed operating model options, and explored […]
Fintech-oriented Issuer Processors Demonstrating Strong Revenue Growth
The issuer processing market continues to show a clear divergence in performance between fintech-oriented and bank-oriented issuer processors. Fintech-focused processors are still achieving strong, double-digit revenue growth, while bank-oriented processors are experiencing more modest, low single-digit increases. However, growth across both segments has slowed compared to their five-year CAGRs, reflecting a broader normalization in the […]
Webinar: Inside Issuing – Insights to Evolve Your Card Programme
The issuer processing landscape is evolving rapidly, and success hinges on agility and informed decision-making. Erik Howell, Partner at Flagship Advisory Partners, and Jim McCarthy, Thredd CEO, explore the trends, data, and strategies driving the future of card issuance in this webinar. Whether you’re scaling a fintech, integrating embedded finance, or leading transformation within a […]
B2B Mobility: High Activity Levels Are a Call To Action for Fintech Providers
Introduction The B2B mobility ecosystem continues to evolve rapidly, underpinned by favorable macro factors: huge volumes, unmet customer needs, complexity, and technological innovation. It now encompasses fuel and energy cards, fleet management software, specialized mobility services such as driver and fuel management, route optimization, and field scheduling, among others. To gauge the current state of […]
Cash is Still King in Europe, but Declining Rapidly
While industry narratives often downplay the role of cash, cash remains a significant payment method at the European point-of-sale (POS). However, European policy initiatives present a unique contrast with concerted governmental efforts to reduce cash usage.
Wero: The European Challenger Digital Wallet
Issuer Processing Competition Intensifies But Banks Remain Cautious
General Commentary & Highlights Press releases are a proxy for market activity levels. While an imperfect measure, fintech providers typically make a press release for large or interesting events. Next-gen issuer processors activity levels continue to be high Traditional processors show wide variance in announcements Announcements from the sampled processors focused on home markets in […]
Challenges of In-Store A2A Payments and the Failure of kevin.
Payments software startup, kevin, once seen as Lithuania’s next unicorn, has declared bankruptcy, leading the National Central Bank of Lithuania to revoke its PI license after months of financial struggles and employee layoffs. kevin’s insolvency underscores the critical importance of developing robust economic models that can effectively support scalability and long-term success in the fintech […]
The Paypers Embedded Finance and Banking-as-a-Service Report 2024
Unlock unparalleled insights into the transformative world of Embedded Finance and Banking-as-a-Service (BaaS) with The Paypers’ latest report. As a collaborator, Erik Howell Partner at Flagship, dives into the topic of how Embedded Payouts Will Follow the Success of Embedded Payins as the Next Frontier in Embedded Finance.
Banks Can Still Make a Comeback in Merchant Payment Acceptance
Banks continue to face numerous challenges when it comes to merchant acceptance, losing distribution share with SMBs against ISVs and SaaS platform propositions. Despite this, we believe that there are sizable opportunities for banks provided they choose the right operating model and more. Introduction Banks continue to lose market share in the distribution of new […]