Opportunities for Banks in Fintech
We advise viewing the slides via the “PDF” icon button. General Observations Banks have not become the commoditized utilities that many feared, but they are clearly losing out on many growth opportunities in payments and fintech. Nevertheless, banks do have strong capabilities that can help them compete and many opportunities to win in payments […]
Infographic: US Bank Fintech Investments & Patents, 2023
General Observations The largest banks in the US are both competing with and collaborating with fintech challengers in payments. Looking beyond the challenges posed by their legacy systems and processes, banks possess several key advantages over fintechs: Key Payment Assets: banks already have most of the core underlying assets needed to grow licenses, scheme connections, […]
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, […]
Highlights from Railsr’s Bankruptcy Document and Lessons Learned
The struggles of Railsr, a former fintech unicorn that raised $187 million and was one of Europe’s most visible Banking as a Service (“BaaS”) providers, have been well documented. Once valued at $1 billion in 2021, Railsr was sold in a prepackaged bankruptcy to a consortium of investors and management for $500,000 plus up to […]
Infographic: LatAm Fintech Landscape, 2023
General Observations As of April 2023, there are ~1,000 active fintechs in LatAm (vs. ~3,300 in Europe and ~4,200 in the US). ~70% of all LatAm fintechs specialize in lending, payment acceptance, and wealth management & investment (similar category breakdown as the US and Europe). ~65% of LatAm fintechs are based in either Brazil or […]
India: Case Study on the Power of Fintech Innovation
The Indian payments landscape completely transformed over the last decade, catalyzed by a shift from cash, cards, and other traditional payment methods to real-time A2A payments, powered by the UPI network and mobile apps. This globally-relevant case study on fintech innovation and disruption was fueled by a crescendo of forces including government policies, banking infrastructure […]
Executive Interview Series: Roshan Sadanani, Product Manager, Stripe Terminal
Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry.
High-Growth Fintechs Must Now Learn Efficiency
For the last decade, particularly during the pandemic, fintech was synonymous with high growth, oftentimes assigned unobtainable topline growth expectations. In 2022, expectations came crashing back to reality. Gone are false expectations for limitless growth, in are ‘boring’ expectations for profit. We recently examined a sample of 50 publicly listed fintech companies, comparing topline growth […]
Implications of the Silicon Valley Bank Collapse for Fintechs
The collapse of Silicon Valley Bank (“SVB”) is the latest blow for fintech in what is shaping up to be a very tough year. We won’t recap the entire SVB story, but a brief look at SVB’s investor relations materials is instructive for the industry as a whole: a significant spike in funding from investors […]
Infographic: Return to In-store Payments – Benelux Market 2022
General Observations Card payments via point-of-sale bounced back in 2022 across the Benelux, experiencing the best performance yet, with year-over-year growth reaching ~20%. Conversely, e/m-commerce payments in the Benelux slowed noticeably. Local payments such as iDeal dropped below 10% in growth for the first time in its history. 30% of all in-store card payments in […]