Ubiquitous Open Banking: Select Global Markets
Open banking enables secure data sharing between banks and third parties, facilitating payments and information access. Beyond UK/Europe (initial markets), we now see other regions at the cusp of open banking adoption, driven by both regulatory and market forces. We advise viewing the slides via the “PDF” icon button. ‹ › General Commentary & Highlights […]
Wero: The European Challenger Digital Wallet
AI’s Impact on Payments & Fintech, Part 3: Operating Efficiencies
Part 3: Operating Efficiencies is the 3rd installment of Flagship’s multi-part series assessing the potential impacts of AI on payments and fintech. Read Part 1 & Part 2
NYC Event: The Embedded Finance Opportunity, January 2025
On 23 January 2025, we had the pleasure of co-hosting a live event in collaboration with UBS at their New York office, on the trending topic of Beyond Payment: The Embedded Finance Opportunity. Watch the highlights and a peak into the insightful discussions that took place in the aftermovie below.
Issuer Processing Competition Intensifies But Banks Remain Cautious
General Commentary & Highlights Press releases are a proxy for market activity levels. While an imperfect measure, fintech providers typically make a press release for large or interesting events. Next-gen issuer processors activity levels continue to be high Traditional processors show wide variance in announcements Announcements from the sampled processors focused on home markets in […]
Global Card Scheme Performance FY 2024
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Fintechs Working to Solve the Many Pain Points of B2B Commerce
Introduction In the world of B2B commerce, the order-to-cash (O2C, tied to A/R) and procure-to-pay (P2P, tied to A/P) cycles manage the transaction journey between buyers and suppliers. These processes are critical to happy customers, operational efficiency, and financial health. Software and fintech have automated some of these flows, but many pain points remain. In […]
AI’s Impact on Payments & Fintech, Part 2: Fraud Management
This is Part 2 of Flagship’s multi-part series assessing the potential impacts of AI on payments and fintech. Read Part 1 here where we introduce AI, outline the historical context for AI’s impact on our industry, and introduce the impacts of AI.
AI’s Impact on Payments & Fintech, Part 1: Introduction
This is Part 1 of Flagship’s multi-part series assessing the potential impacts of AI on payments and fintech. Read Part 2 on Fraud Prevention here.
Most Read Flagship Insights of 2024
During 2024 Flagship shared insights on a diverse array of payments and fintech topics. Our analysis of Apple’s iOS NFC launch in Europe drew significant attention, highlighting its impact on in-store payments. Other topics included the decline of European local card schemes, the growth of next-gen POS systems, the success of PSPs in merchant VAS […]