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Q1 2026 SaaS+Fintech Earnings Observations

SaaS and fintech equities have rallied over the past month yet remain laggards to the broader market over the past year. Despite the choppy stock performance, the fundamentals tell a story of continued strength. Average revenue growth accelerated slightly, and gross profit margins continued to expand in the most recent quarter, marking the 11th straight […]

Executive Interview with Martina Weimert, CEO, EPI: “We want to offer one tool for all payment use cases”

Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry.  

This edition spotlights EPI (European Payments Initiative) and its digital wallet, Wero. Flagship Advisory Partners spoke with Martina Weimert, CEO of EPI, to discuss Wero’s geographic expansion, the role of banks in driving Wero adoption, and the broader ambition to build a sovereign pan-European payment alternative.

Executive Interview with Luke Trayfoot, Global Head of Strategic Partnerships, YouLend: “Embedded lending is emerging as the next major frontier in embedded finance.”

Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry.
This edition spotlights YouLend, a leading embedded lending provider operating in 10 markets. Flagship Advisory Partners met with Luke Trayfoot, Global Head of Strategic Partnerships, to discuss how lending delivered through platforms can give SMBs faster, smarter access to credit and help bridge the SMB credit lending gap.

Android is the Clear Winner of the POS Terminal Operating System Wars

Credit

Android payment terminals seem to be everywhere nowadays and it shows in the data, Android is set forecasted to become the dominant operating system for payment terminals in 2026. The rapid adoption is driven by the clear advantages Android provides for payment providers and merchants. These advantages boil down to the Android ecosystem being much […]

Sovereignty, Agents, and Stablecoins: Flagship’s Takeaways from Money20/20 Europe 2026

Flagship Advisory Partners recently attended Money20/20 Europe 2026 in Amsterdam, the premier annual gathering for the fintech and payments sector. Through discussions with established market leaders and disruptive startups alike, our team gained firsthand perspectives on the innovations and trends redefining the future of payments. Flagship’s Key Industry Takeaways 1. Fintech: Familiar Themes Amid Cautious […]

Executive Interview with Miriam Wohlfarth, Co-Founder and Co-CEO of Banxware and Martin Brinckmann, Head of Small and Medium Corporates at HVB/UniCredit

Miriam Wohlfarth Martin Brinckmann Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry. This edition spotlights Miriam Wohlfarth, Co-Founder and Co-CEO of Banxware, and Martin Brinckmann, Head of Small and Medium Corporates at HVB/UniCredit. Photo credit: Miriam Wohlfarth, Martin Brinckmann

Non-USD Stablecoins Remain Niche and Highly Context-Specific

Although non-USD stablecoins remain a niche segment, regulatory developments are reshaping the digital money landscape in Europe. MiCA, together with evolving frameworks in the UK and Switzerland, is reducing uncertainty around stablecoins and tokenized deposits, enabling greater participation from banks, payment providers, and fintechs. This regulatory clarity is driving innovation across payments, settlement, custody, and […]

The Illusion of Premium Card Profitability

High-end cardholders (roughly equivalent to superprime and prime plus1) now account for 85% of U.S. credit card spending, up from 81% in 2019. This group has driven all of the growth in purchase volume since the pandemic; prime-and-below borrowers have been at or below zero growth since late 2023. Every major issuer wants these customers: […]

Podcast: TreviPay on Why B2B Commerce Is Reaching an Inflection Point?

A conversation with Allen Bonde, Chief Marketing Officer at TreviPay, and Inez Berkhof-Hollander, VP of EMEA at TreviPay, about why B2B commerce is reaching an inflection point and how pay-by-invoice is becoming a catalyst for order-to-cash automation. “Pay by invoice is the starting point, but it’s not the ending point.” If B2B payments are becoming […]