Small Cap Fintechs Struggling in Public Equity Markets
It continues to be a rough ride for virtually all listed fintechs, large and small, although small cap fintech stocks are particularly challenged in today’s tough (and worsening) market conditions. In Figure 1, we compare the relative share price performance of large cap fintechs (market cap >$10B) vs. small cap fintechs (market cap < $2B). […]
FedNow: Game Changer for U.S. Consumer Payments?
Introduction The U.S. has the highest payment acceptance costs in the world despite being a large and mature fintech market (you can read our prior assessment of this topic here). This situation is ripe for disruption, the question is just when and how. Real-time A2A payments would appear to be the ‘disruption how’ given the […]
Enfuce In The Hot Seat Podcast: Compliance Done Right
Erik Howell, Partner at Flagship Advisory Partners recently joined Don Riddick, Company Secretary and Chief Legal Officer for Featurespace on Enfuce’s latest episode of their In The Hot Seat podcast. Hosted by Denise Johansson, co-founder and co-CEO of Enfuce, the episode emphasizes the critical role compliance and transparency play in the financial […]
The Paypers Embedded Finance and Banking-as-a-Service Report, 2023
The inaugural edition of The Paypers’ Embedded Finance and Banking-as-a-Service Report 2023 covers essential business models and key players in the Embedded Finance and BaaS ecosystem. It also highlights the latest trends, technologies, and real-world examples illustrating how Embedded Finance is revolutionizing various industries. Download the full Embedded Finance and Banking-as-a-Service Report 2023 at The […]
Reactions to the 2023 U.S. Credit Card Competition Act
The proposed (but not yet voted on) U.S. Credit Card Competition Act of 2023 continues to make headlines, most recently on the back of The Wall Street Journal’s report that Visa and Mastercard will raise card fees in October 2023 and April 2024 and Congress’ visceral reaction to the news. According to Senator Dick Durbin’s […]
Infographic: Lessons Learned from Adyen and DLocal Share Performance
General Commentary & Highlights: The recent public equity experiences of Adyen and dLocal highlight the increased importance of investor relations and communications in fintech. The share prices of both companies have fallen sharply from their peaks (-75% for Adyen and -70% for dLocal as of today). Part of this fall is consistent with the entire […]
Demystifying CBDC (Central Bank Digital Currencies)
Central Bank Digital Currencies (CBDCs) have emerged as a pivotal topic at the intersection of finance, technology, and policy. As traditional forms of currency give way to digital alternatives, central banks worldwide are exploring the potential of CBDCs to revolutionize how we conduct financial transactions, manage monetary policy, and safeguard economic stability. The article attempts […]
U.S. Merchant Payments: Medical Practices
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PCN Podcasts: Opportunities and Developments within B2B Payments
Flagship Advisory Partners recently sat down with PCN CEO Rogier Rouppe van der Voort for their ‘In Check with Fintech’ podcast episode to discuss the latest developments and opportunities within the B2B payments space. Delving deeper, they explored Fintech adoption trends in the U.S. and Europe, breakthroughs in real-time payment systems, key themes within […]
Unsuccessful Investment in German PSP Unzer
Image Credit: Unzer.com Introduction For the better part of two decades, from c. 1995 to 2015, private equity investments into merchant payments were practically failproof. Deal after deal delivered solid, if not exceptional returns buoyed by strong fundamental electronic payment growth tailwinds, and a business model with naturally strong scale economies. By the late 2010’s […]