The Invoice Is the Fintech Rail: How Europe’s E-Invoicing Mandates Rewire B2B Payments
Those who think of Europe’s B2B e-invoicing mandates as just a tax-compliance software upgrade have clearly gotten it wrong. Beyond the compliance burden, these mandates unlock a larger commercial opportunity: making structured, machine-readable transaction data ubiquitous and cost-effective to access. This data layer is also the missing precondition for two propositions that have been stuck […]
Executive Interview with Rob Straathof, CEO, Liberis: “Embedded Finance Isn’t One Size Fits All”
Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry. This edition spotlights Liberis, a leading global embedded finance platform that provides funding and financial products to small businesses. Flagship Advisory Partners met with Rob Straathof, CEO, to learn about Liberis’ perspectives on embedded finance […]
A Guide to Payment Orchestration: Navigating In-Person and Online Payment Complexity
European Office of CFO SaaS: New Battleground for Embedded Fintech
The European office of CFO SaaS is a new battleground for embedded fintech. Leading SaaS platforms are increasingly embedding fintech solutions with software workflows and creating a winning formula of success. In this article, we analyze this space and present our key takeaways.
Executive Interview Series: Ram Sundaram, co-Founder & COO, TerraPay
Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry. This edition puts the spotlight on TerraPay, a leading fintech that serves businesses and fintechs in the B2B cross-border payments space. Flagship Advisory Partners met with Ram Sundaram, Co-Founder and COO of TerraPay to learn […]
Infographic: CAB Payments Initial Public Offering (IPO) 2023
General Commentary & Highlights: CAB Payments, the holding company for Crown Agent Bank (CAB), a B2B FX and payments specialist got listed on the London Stock Exchange on 6th July ‘23 The deal had a market cap of £851 mil. at the IPO (largest public debut in London this year) The stock fell sharply on […]
P27: Lessons Learned from the Latest Failure in Pan-European Payment Collaborations
Introduction The Nordic P27 initiative is the latest pan-European payments collaboration to fail. Coupled with last year’s struggles of the European Payment initiative (EPI), Europe has seen a slew of failures in pan-European collaborations that have desired to launch new payment schemes and harmonize the European payments landscape. At the time of writing this article, […]
Infographic: Fiserv 2022 Results – Solid Growth, Profitability, and Merchant Performance
General Observations FIS recently announced plans to divest Worldpay. In contrast, Fiserv’s acquisition of First Data appears to be performing well based on our review of Fiserv’s 2022 results: Fiserv 2022 Performance Highlights Solid topline and bottom line (EBITDA) growth performance in 2022. Performance outshined FIS, but was matched (slightly exceeded) by peer Global Payments. […]
Flagship Advisory Partners Analysis of the U.S. Consumer Financial Protection Bureau’s “Buy Now, Pay Later: Market Trends and Consumer Impacts Report” 2022
Recent data published by the U.S. Consumer Financial Protection Bureau illustrates how the U.S. Buy Now, Pay Later (BNPL) landscape is changing based on consumer behavior and shifting economics. In this article, we analyze their findings and present our key takeaways. We advise downloading the slides via the “Download Article PDF” button in the […]
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 […]