Payment Stocks Experience a Rough 2H, Look to Rebound
Payment stocks were the darling of global public equity markets during the height of the pandemic in 2020. Payment companies, particularly those oriented to digital commerce, proved resilient, even during a pandemic. This wave of momentum in public equity valuations peaked earlier this year, however. Since then, most (not all) payments stocks have declined materially […]
A Practical Vision for Payments Platform Rationalization
This article was originally published by The Paypers.
Payments Orchestration Reshaping Merchant Payments
Merchants face ever-expanding complexity for managing payments across geographies, channels, and use cases. Merchants want the ability to quickly adapt their payment infrastructure to embrace growth while delivering robust customer experiences. In parallel, payments technology is shifting into the cloud and opening and embedding into broader API ecosystems. As a result of both merchant demands […]
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.
Traditional Acquirers Missed the Digital Boat
The most lucrative, fastest growing merchant payments companies are not acquirers. Payment facilitators such as Stripe, PayPal, Sumup, d-local, Ebanx, Mercado Pago, PagSeguro, Stone, Shopify, Intuit, Mollie, and others reinvented the market, extracting huge profits by leveraging digital technology to address the long-tail of small merchant payments. Acquirers largely missed the boat and have often […]
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.
B2B ISV-fintech: Contrasting the U.S. and European Markets
We recently analyzed the contrast between B2B payments in the U.S. and Europe, focusing on the integration of financial services with accounting/ERP, accounts receivable (A/R), and accounts payable (A/P) management software. The results are a stark contrast between the market fundamentals in these two geographies, due to the differences in the bank-to-bank payments infrastructure, penetration […]
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.
Leading Banks Looking to Reverse the Un-banking of Merchant Payments
Lost in the escalating hype and company valuations of fintechs is the changing role of banks in merchant payments. Historically, the market for merchant payments in North America and Europe was owned by banks, but now, banks own less than half of merchant acquiring market share in North America and Europe. Over the last two […]