A Guide to Payment Orchestration: Navigating In-Person and Online Payment Complexity
X-Border Payments: State of the Market, 2024
The x-border payments fintech market is massive. Currently, banks control around 75% of the total transaction volume, but they are steadily losing market share to fintech companies. In this slide presentation, we analyze the growth of x-border fintech, examine recent M&A activity, and explore the various business models within this space. We advise viewing the […]
Europe’s Local Card Schemes on a Steady Decline
In an increasingly globalized economy, local card schemes in Europe, once the backbone of their respective domestic banking systems, are rapidly losing ground to international giants Visa and Mastercard. Key Influencing Factors Lack of technical innovation: Challenged to innovate at the same pace as V&MC, which leverage economies of scale and remain at the forefront […]
Mastering Mobility & Fuel Payment Acceptance
Last month, Flagship published an article describing the surge of interest in B2B mobility & fuel payments, specifically within the fleet management and related card-issuing domains.While innovation permeates payment issuance and related value-added services, payment acceptance innovation adoption is still relatively nascent in mobility and fuel despite new entrants and emerging technologies. This lack of […]
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 […]
Q2 2024 Global Fintech M&A Sees a Surge in Deal Volume
Global fintech M&A deal volume rose by 20% from Q1 2024, growing at 2x compared to last year’s 10% increase for the same period. In Q2 2024, the fintech M&A landscape was characterized by strategic consolidations and a strong focus on integrating advanced technologies such as AI. This sector remains dynamic and attractive for strategic […]
Growth Opportunities in B2B Mobility & Fuel Payments
Flagship has observed a surge of interest in the B2B mobility space over the past year, driven by several factors: the growing popularity of EVs, the introduction of Visa Fleet 2.0, the lack of product differentiation amongst traditional providers paving the way for new entrants, and the rising adoption of embedded payments in verticalized SaaS […]
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. […]
Webinar Recording: Dispute Management Solutions – Should Issuers Build or Buy?
This webinar explores the crucial decisions facing financial institutions today: should you build your own dispute management solution, or buy a third party system? This expert-led session guides you through the essentials of dispute management, covering key topics including: – Dispute management and why it matters– Challenges banks face with their dispute management process– Building […]