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Flagship Advisory Partners Analysis of the U.S. Consumer Financial Protection Bureau’s “Buy Now, Pay Later: Market Trends and Consumer Impacts Report” 2022

Recent data published by the U.S. Consumer Financial Protection Bureau illustrates how the U.S. Buy Now, Pay Later (BNPL) landscape is changing based on consumer behavior and shifting economics. In this article, we analyze their findings and present our key takeaways.    We advise downloading the slides via the “Download Article PDF” button in the […]

Executive Interview Series: Open Banking Payments with Wilko Klaassen, VP Business Development, Klarna Kosma

Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry. The series offers diverse perspectives on everything from market developments to strategy to commentary on developments in the industry. This edition puts the spotlight on open banking developments in Europe. Flagship Advisory Partners met with […]

Infographic: MENA Fintech Landscape, 2022

General Observations The Fintech landscape in MENA is developing rapidly including many start-ups and heavy investment in recent years. Payments, in particular merchant payment acceptance, is one of the largest verticals for investment activities. The MENA fintech sector attracted $519 mil. of fundraising and 92 newly launched fintech start-ups in 2021. Both external investors and […]

European A2A Schemes Thriving, Not Yet Open Banking Payments

While the European market waits for open banking payments to find a foundation, alternative payment schemes built on account-to-account (A2A) banking rails continue to thrive. In this article we examine the European landscape for A2A payment schemes and open banking A2A payments. Catalyzed By Mobile Commerce, A2A Schemes Thrive Across the EU   As shown […]

Infographic: Breakdown of the European Fintech Landscape, 2022

General Observations As of Oct. 2022, there are over 3,300 active fintechs in Europe (vs. 4,200+ in the US) More than 70% of all European fintechs specialize in investments, lending, and payment services; most B2B fintechs focus on addressing white space in the SME merchant segment Cross-border payments and spend management fintechs are up and […]

B2B Spend Management Fintechs: Positioning to Win by Unifying SaaS & Payments

B2B employee spend and expense management (‘spend management’) is often a complex workflow of interactions across multiple actors (employees, functional business departments, etc.) and several adjacent software services and vendors (travel booking, spend administration, expense management, procurement, etc.). The use of corporate and personal employee payment cards has remained a critical component of the B2B […]

Infographic: Crypto Boom, Bust and Usage 2022

Observations on Crypto  Global crypto markets, which boomed during the COVID-19 pandemic, rapidly crashed during the last 6 months (55% erosion of market cap) The current macroeconomic environment of rising interest rates, changes in crypto regulations, rising energy prices, and recent failures of stablecoins (Luna-Terra crash) have collectively contributed to a rapid erosion of the […]

M&A No Longer the Key Driver of Consolidation in U.S. Merchant Payments

Conventional wisdom suggests that consolidation within merchant payments is principally driven by M&A. From c.1995 to 2015, this conventional wisdom was indeed accurate. As the U.S. market matured over the last five years, the dynamics of market consolidation shifted. From 2016 to 2021, our analysis suggests that organic share movement was more impactful than M&A […]