Will AI Kill the B2B Software Industry?
The software industry is panicking as bears latch onto the theme of AI disrupting the software industry, assuming that AI will be able to develop custom code that is superior or lower cost. Investors are clearly spooked, the flight from software equities has been bloody as we illustrate in Figure 1 below. We agree that […]
Podcast: Financial Health of Public Fintechs
Joel van Arsdale, Managing Partner, and Rom Mascetti, Principal at Flagship Advisory Partners, sat down with Elisabeth Magnor, Senior Manager, at Flagship Advisory Partners to unpack the real story behind public fintech growth and to reveal new research across 50 listed fintechs. From revenue efficiency to the rise of SaaS-with-payments, cash flow health, and what […]
Selling Embedded Payments with Flagship Advisory Partners, Adyen & Zenoti
Joel van Arsdale, Managing Partner at Flagship Advisory Partners, recently sat down with Hemmo Bosscher, SVP, Global Head of Payments at Adyen and Vamshi Reddy, Head of Payments at Zenoti, to discuss how software platforms can effectively sell embedded payments and make them a key part of their growth strategy on Adyen’s latest episode of […]
AI’s Impact on Payments & Fintech, Part 3: Operating Efficiencies
Part 3: Operating Efficiencies is the 3rd installment of Flagship’s multi-part series assessing the potential impacts of AI on payments and fintech. Read Part 1 & Part 2
NYC Event: The Embedded Finance Opportunity, January 2025
On 23 January 2025, we had the pleasure of co-hosting a live event in collaboration with UBS at their New York office, on the trending topic of Beyond Payment: The Embedded Finance Opportunity. Watch the highlights and a peak into the insightful discussions that took place in the aftermovie below.
AI’s Impact on Payments & Fintech, Part 2: Fraud Management
This is Part 2 of Flagship’s multi-part series assessing the potential impacts of AI on payments and fintech. Read Part 1 here where we introduce AI, outline the historical context for AI’s impact on our industry, and introduce the impacts of AI.
AI’s Impact on Payments & Fintech, Part 1: Introduction
This is Part 1 of Flagship’s multi-part series assessing the potential impacts of AI on payments and fintech. Read Part 2 on Fraud Prevention here.
Attractive Field Services Vertical Propels ServiceTitan to Successful IPO
Successful IPO ServiceTitan went public last week and immediately traded up more than 40% as investors flocked to the attractive growth fundamentals of ServiceTitan specifically and the field services vertical software & embedded generally. For embedded finance buffs like us, the TTAN S-1 was a compelling reading, so no surprise that investors reacted favorably. We […]
Q3 2024 Payment Earnings Observations
General Commentary & Highlights Volatility: 53% of our select payments equities sample swung up or down by 10% or more and 30% swung up or down by 20% or more. Even modest misses produced sizable volatility to the downside. More winners than losers: Payments industry generally outperforming expectations in 2024. Small caps outperformed in Q3: […]
Embedded Payouts Are Booming
Introduction Much of the market’s embedded payments focus is on pay-in use cases feeding into payment acceptance and acquiring. Embedded payouts are less-developed than pay-ins, but a massive growth opportunity for both platforms and fintechs. In this article, we walk through key growth tailwinds, specific use case opportunities, and potential partners for supporting embedded payouts. […]