Authorized Push Payment (APP) Fraud: An Escalating Threat
In today’s digital world, Authorized Push Payment (APP) fraud is becoming one of the most deceptive and dangerous scams. As these scams evolve and grow, understanding how they work and how to protect yourself is more important than ever. In this article, we delve into APP fraud growth, use cases, solutions, and ultimately how payments […]
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 […]
Challenges of In-Store A2A Payments and the Failure of kevin.
Payments software startup, kevin, once seen as Lithuania’s next unicorn, has declared bankruptcy, leading the National Central Bank of Lithuania to revoke its PI license after months of financial struggles and employee layoffs. kevin’s insolvency underscores the critical importance of developing robust economic models that can effectively support scalability and long-term success in the fintech […]
SoftPOS Creeping Slowly Towards Potential?
SoftPOS, also known as “tap-to-pay” and “pin-on-glass,” has been touted for years as the future of face-to-face payments, with the promise of transforming how businesses accept payments by eliminating the need for payment hardware. Ten-plus years since the technology was first created, the question remains: Has SoftPOS truly arrived, or is it still awaiting its […]
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 […]