B2B ISV-fintech: Contrasting the U.S. and European Markets
We recently analyzed the contrast between B2B payments in the U.S. and Europe, focusing on the integration of financial services with accounting/ERP, accounts receivable (A/R), and accounts payable (A/P) management software. The results are a stark contrast between the market fundamentals in these two geographies, due to the differences in the bank-to-bank payments infrastructure, penetration […]
Best Practices in SaaS-Payments Across Verticals
*This is the second in a three-part series in which we examine the evolution of software-integrated payments and fintech. In this second part, we analyze the best practices of SaaS platforms and ISVs offering integrated payments across verticals.
The Evolving, Massive, Global Potential of SaaS-fintech
*This is the first in a three-part series in which we examine the evolution of software-integrated payments and fintech. In this first part, we explore the evolutionary journey for software providers and the globalization of the SaaS-payments business model.
Leading Banks Looking to Reverse the Un-banking of Merchant Payments
Lost in the escalating hype and company valuations of fintechs is the changing role of banks in merchant payments. Historically, the market for merchant payments in North America and Europe was owned by banks, but now, banks own less than half of merchant acquiring market share in North America and Europe. Over the last two […]
Comparing North American and European Payfacs
We recently analyzed and compared the composition of the MasterCard payment facilitator lists in North America and Europe1. The lists are similar in size, with 244 payfacs in North America and 232 in Europe2. However, the composition of the two payfac lists is quite different and we believe that this difference tells an interesting story […]
Hype vs. Reality of COVID-19’s Impact on Payments Industry – Part 3
(Part 3* – Channel and Form Factor Impacts)
Comparing Worldline/Ingenico and Nexi/Nets Groups, European Retail Payments Market Leaders
Worldline recently completed its merger with Ingenico. In parallel, Nexi and Nets have agreed in principle to merge. These two events culminate a decade of consolidation in the European retail payments market. These two groups (assuming completion of the Nexi/Nets merger) become clear market leaders for diversified processing and pan-European merchant services (noting that e-commerce […]
Riding the Next-gen POS Wave
Lost in the e-commerce hype of COVID-19 is the ongoing evolution of the physical point-of-sale (POS) towards next-generation product and service models. Mobile technologies and digital service models have reinvented POS solutions as affordable and easy to use (a major leap from legacy ePOS solutions which are expensive and challenging to deploy or adapt/integrate). We […]
B2B Payments a Greenfield for Fintech
B2B payments, long the bastion of commercial banks, remains fertile ground for fintech innovation and market penetration. While the pace of innovation and consolidation in B2C payments has been brisk, large cross-sections of B2B payments remains relatively traditional and undisrupted. B2B payments have lagged in digital innovation due to:
Vision for Credit Card Issuer Growth: Optimization Toolkit
European bank management boards typically view credit cards as a cash cow business with good returns on equity but challenging to invest in growth. Recent trends largely reinforce this skeptical view: