The Fintech sector – specifically Digital Banks – is set to roar back to life in 2024. A set of IPOs from renowned players such as Chime, Klarna, and Monzo are both expected and possible… Read More »Digital Banks, IPOs & Consumer Trust
Is Web3 all a bunch of buzz or is it the next great wave of Internet companies to come? Both sides of the argument are valid from where we currently stand. The thesis that underpins… Read More »Web 3, Wallets & Social Commerce
Is the much-maligned PFM (Personal Financial Management) space about to see a resurgence? A flurry of economic and socio-economic factors have created a renewed interest in everything to do with budgeting. Enter Qapital. “We think… Read More »Qapital Business Model Analysis
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. Digital Bank Business Model 2022 was not kind to Fintechs.… 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 and Music models? We explore the Business Model Vision that needs to come together in order to… 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