Executive Interview with Rune Garborg, CEO, Vipps MobilePay: “We need to create a real FOMO beyond payments”
Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry. This edition spotlights Vipps MobilePay, a leading payment method in Norway, Denmark, and Finland. Flagship Advisory Partners met with Rune Garborg, CEO of Vipps MobilePay, in Oslo to discuss the rollout of its NFC wallet, […]
Digital Wallets Drive the Next Phase of Growth in European e-Commerce
Europe’s e-commerce payments are at an inflection point. Card-based wallets are accelerating the fastest, while account-to-account (A2A) schemes are gaining traction in specific local markets. Buy now, pay later (BNPL) remains resilient, underscoring a broader shift toward frictionless, mobile-first payment experiences.
Flagship Market Tracker: Agentic Commerce January 2026
Major corporations have quickly woven AI into every aspect of their business in the pursuit of cost savings and revenue growth. The digital commerce journey is no exception and effectively all large merchants in the US, UK and Europe have implemented generative AI in some part of their customer experience. LLMs and other AI tools […]
Most Read Flagship Insights of 2025
Flagship Advisory Partners is a payments and fintech advisory firm dedicated to helping fintechs succeed in an increasingly complex and rapidly evolving payments landscape. Throughout 2025, we published a wide range of insights exploring topics around challenger wallets, AI in payments, ledger-as-a-service (LaaS), and notable M&A activity across the ecosystem. Below are our five most-read […]
Opportunities to Digitize B2B Commerce with Pay by Invoice and the Automation Flywheel
In collaboration with Flagship Advisory Partners, TreviPay has released a new report, “Opportunities to Digitize B2B Commerce with Pay by Invoice and the Automation Flywheel”. This report examines how B2B Pay by Invoice and the automation flywheel can streamline accounts receivable and accounts payable workflows, improve cash flow, and reduce friction in B2B commerce. The […]
Embedded Fintech Vertical Snapshot: Automotive
This snapshot is the second in our Embedded Finance Vertical Snapshot series, focusing on the automotive dealership, repair, and car wash landscape. The automotive industry is highly complex with high software penetration (95% of companies use software to manage at least part of their business). However, embedded fintech adoption varies. While payment acceptance is relatively […]
Q3 2025 SaaS and Fintech Earnings Observations
SaaS and fintech share prices felt the broader tech headwinds in Q3, but company performance continued to demonstrate the power of the business model with 20%+ topline growth.
Credit Card Issuing Industry KPIs Q2’25
Bank Card Programs Defy Expectations and Drive Stronger Profitability The second quarter of 2025 marked a significant rebound in bank credit card program NCL rates, reversing from what had been their highest levels in more than a decade. Coupled with near record-high loan balances and widening credit spreads, bank-managed credit card programs are outperforming expectations […]
Podcast: The Battle Between Local and International Card Schemes in Europe
Local card schemes like Girocard, Bancomat, Dankort, BankAxept, and Carte Bancaires are losing ground fast to Visa and Mastercard – but is that decline inevitable? In this episode, Elisabeth Magnor talks with Flagship partner Yuriy Kostenko about what the data really shows, why domestic schemes have fallen behind on innovation, how PSPs and merchants actually […]
Why European APMs Need More Than Apple’s NFC to Win In-Store Payments
European alternative payment methods (APMs) have a long history of failed attempts to succeed at the physical point of sale (POS). In contrast, Apple Pay has achieved tremendous success. Apple’s tight control over the iPhone’s NFC chip has fueled iOS’s dominance in contactless payments (see Figure 1) while blocking APMs from delivering a comparable user […]