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 […]
Digital Wallets Thriving, Proliferating in All Directions
Not long ago pundits in Western markets questioned the prospects of digital wallets; though admittedly, wallets in Western markets had many false starts (MCX/CurrentC, Isis/Softcard, V.me, Google Wallet, and numerous other failed telco, merchant, or bank coalitions). There is no longer any basis to question the massive influence and potential of digital wallets, which we […]
Infographic: Fiserv 2022 Results – Solid Growth, Profitability, and Merchant Performance
General Observations FIS recently announced plans to divest Worldpay. In contrast, Fiserv’s acquisition of First Data appears to be performing well based on our review of Fiserv’s 2022 results: Fiserv 2022 Performance Highlights Solid topline and bottom line (EBITDA) growth performance in 2022. Performance outshined FIS, but was matched (slightly exceeded) by peer Global Payments. […]
Peeling Back the Onion of Embedded Finance
Fintech is full of acronyms and catch phrases, none more used and yet more confusing than ‘embedded finance’. Everyone seems to have a different definition and understanding of embedded finance. To some, it is something specific, to others, it effectively encompasses all fintech. We can all agree, however, that fintechs that master embedded finance as […]
Framing the Fintech Geo Expansion Opportunity in the US-Europe Corridor
US-to-Europe and Europe-to-US are popular corridors for fintechs seeking to expand geographically due to the huge size of the markets, regulatory uniformity with the region, cultural similarities, and market maturity levels. Roughly half of the top 50 European fintechs have expanded to the US, and Europe is typically the first stop for U.S. fintechs looking […]
Thoma Bravo’s Acquisition of Coupa Highlights the Value of B2B SaaS and Embedded Payments
Image credits: Freepik Thoma Bravo continues to demonstrate an eagerness to invest in B2B SaaS and payments. On December 12, 2022, Thoma Bravo announced the acquisition of Coupa Software for $8 billion with the intention of taking the company private. Earlier last year, Thoma Bravo completed the acquisition of Bottomline Technologies for $2.6 billion. Both […]
The Massive B2B X-Border Fintech Opportunity, 2023
The B2B X-Border payments fintech opportunity is massive. Fintechs continue to win share from banks by differentiating on technology and product. Fintechs with strong GTM focus on B2B SaaS integrations and collaborations will clearly emerge as winners. In this article, we analyze this space and present our key takeaways. We advise downloading the slides […]