Executive Interview with Giorgio Andreoli, Director General, European Payments Council: “A truly native European instant payments infrastructure is now becoming a reality for the future”
Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry. This edition spotlights the European Payment Council (EPC) which is responsible for developing and managing payment schemes that facilitate a harmonized European payments landscape. Flagship Advisory Partners met with Giorgio Andreoli, Director General of the EPC, […]
UK Open Banking: Meaningful Progress, Measured Pace
The UK has long been at the forefront of open banking adoption, serving as a global benchmark for innovation in real-time payments and financial data sharing. A strong regulatory framework, widespread bank connectivity, and a vibrant fintech ecosystem have made the UK one of the most advanced and mature open banking markets in the world. […]
Webinar: The Rise of Agentic Commerce
A panel discussion on the future of agentic commerce with Ben Brown (Partner, Flagship Advisory Partners), Craig DeWitt (Chief Product Officer, Skyfire), Robin Gandhi (Chief Product Officer, Lithic), and Colin Luce (Chief Executive Officer, Basis Theory). Together, we explored how agentic commerce could transform payments, digital identity, and risk, and discuss the opportunities and challenges […]
Podcast: Financial Health of Public Fintechs
Joel van Arsdale, Managing Partner, and Rom Mascetti, Principal at Flagship Advisory Partners, sat down with Elisabeth Magnor, Senior Manager, at Flagship Advisory Partners to unpack the real story behind public fintech growth and to reveal new research across 50 listed fintechs. From revenue efficiency to the rise of SaaS-with-payments, cash flow health, and what […]
Executive Interview with Itai Damti, Co-Founder & CEO, Unit: Powering the Fintech 3.0 Revolution
Flagship Advisory Partners’ Executive Interview Series provides readers with exclusive insights from thought leaders in the payments and fintech industry. This edition spotlights Unit, an embedded finance platform that enables software companies to launch banking, payments, cards, and capital directly within their products. Flagship’s Ben Brown, spoke with Itai Damti, Co-founder & CEO of Unit, […]
A Closer Look at Public Fintech Health & Efficiency
The fintech sector is undergoing a clear shift from hypergrowth at all costs to disciplined, sustainable expansion. Recent results from Q2 ’25 show that while global leaders like Visa and Global Payments are seeing expense growth outpace gross profit, firms such as Affirm and Toast prove that high growth can still be achieved with operating […]
Agentic Commerce: Mobile or the Metaverse
Agentic commerce has shown a rapid uptick in interest recently. In this infographic, we pose a few strategic questions for the payments industry and map the broad ecosystem emerging to enable agentic commerce.
European Local Card Schemes: Pace of Market Share Losses Declines
Europe’s local card schemes are stepping up their digital game. From enabling online payments and mobile wallets to embedding loyalty and cashback programs, domestic networks are closing the gap with global schemes. Merchants are finding more value in these schemes as costs rise elsewhere, while sovereignty and resilience remain key themes. Innovation, cost efficiency, and […]
In-House vs. Outsourced Program Management: Time to Rethink the Lines in the Sand
Credit Card Landscape Credit card issuing programs have long followed two primary operating models: managing everything in-house or outsourced arrangements through agent banks or program managers. These models evolved as natural responses to the complexity of credit card issuing and the very different levels of scale, capital availability, risk tolerance, and operational capabilities that financial […]
Q2 2025 SaaS+Fintech Earnings Observations
After a challenging quarter, the market is rebounding, with 9 of 14 tracked companies now posting positive 3-month returns. While growth continues, it has slowed modestly, suggesting a more measured expansion.