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.
SaaS Embedded Finance Survey Results Part 2: Expansion Expectations
Earlier this year, we completed a survey of 100 NA SaaS platforms on their embedded finance businesses. We are sharing key insights in a series of infographics. The third in this series focuses on embedded finance product advantages. Today 1. Current % of Company Profits Generated by Embedded Finance 2. Current Offering of Embedded […]
Klarna Revives U.S. IPO at $14B Valuation
Klarna, the Buy Now, Pay Later fintech, has officially revived its plans to go public. After pausing its IPO plans in April amid market volatility, the company has now filed for IPO on the New York Stock Exchange under the ticker KLAR with plans to sell 34.3 million shares to raise $1.27B at a 14B […]