With 2022 officially wrapped up, it’s time to do a teardown of the Digital Banking Business Model for the top B2C Fintechs at this time. 2022 was not kind to Fintechs. The following YTD (Year-to-Date)… Read More »The Digital Banking Business Model – 2023 Outlook
The traditional Payments Stack is the product of decades of technological and business model innovation (BMi). Over the last decade+, we have seen a slew of ‘disruptors’ enter the Payments industry, including (but not limited… Read More »Alternative Payments Business Model
Revolut is one of the leading candidates to build a ‘Super App’ in financial services. Part banking, part payments business model, Revolut is a data-driven company that likes to throw everything at the wall and… Read More »Strategy – Revolut + ‘Pay With Crypto’
Brazilian Challenger Bank Nubank is planning to test launch a Nucoin token to 2,000 of its most loyal users in the months ahead. The question is what is the strategy for a digital banking platform… Read More »Strategy – Nubank + Nucoin Token
Are Micropayments the key to unlocking a new layer of the creator economy and ultimately the New Media model? We explore the Business Model Vision that needs to come together in order to make that… Read More »Micropayments Business Model
As a predominantly B2B Payments player, Stripe flies under the radar in comparison to some of the other high-flying Payments companies because (a) it is not publicly traded (b) it doesn’t have a P2P payments… Read More »Stripe Business Model
How much do Fintechs pay to acquire customers? The answer is “depends” … let’s look at the perceived factors that affect Customer Acquisition Cost (CAC) for digital banks+ . And why that number remains so… Read More »Analytics: Fintech Customer Acquisition Cost
Will Square (Block) become a Bitcoin-centric consumer bank on the back of the Cash App? Or will they be forced to pivot back towards their Payments Value Prop. to gain market share? We look into… Read More »Square (Block) Business Model
Will Venmo help future-proof the Paypal Business Model? Or is it a network whose advantage will be eroded by other competitors? We look into the Business Model + Analytics to form a view on what… Read More »Venmo Business Model
One could be forgiven for doing a double-take at the idea of ‘Blockchain Banking.’ Effectively take your money, put it into some combo of Bitcoin, stable coins (pegged to fiat) and other ‘digital assets’ and… Read More »Blockchain Banking – Bitcoin & Stable Coins