Who will win the epic future-of-banking battle over the long term? Innovation is happening across Fintech, Blockchain and certain other ‘edge cases,’ which will open the door to new business model defined as the ‘Future… Read More »Future Banking Business Model
German-based N26 came out of the gates strong in the early challenger banking days with its lifestyle-oriented brand. Since their red-hot days in late 2019, they have sputtered strategically, but are now trying to reverse… Read More »Strategy & Business Model – N26 Brazil
Australian-based Afterpay was one of the early pioneers in the BNPL (Buy-Now-Pay-Later) credit space, turning it into a $25 Billion+ sensation. Now the company is embarking on a strategy that shifts the business model towards… Read More »Strategy & Business Model – Afterpay Money
Revolut was one of the high flyers in the early days of challenger banking. More recently, it is the Chimes, SoFis, and Nubanks that are stealing the spotlight. But the UK-based disruptor has shifted gears… Read More »Strategy & Business Model – Revolut Super App
If one of the world’s most infamous old-school investors is investing in a challenger bank, then you know we are reaching an inflection point in the market. The intrigue of the newly-minted $30 Billion Nubank… Read More »Business Model Canvas – Nubank
In the complex world of investing, there are always fly-by-night trends trying to masquerade as movements to rope in retail investors. Mean reversion always separates the wheat from the chaff in the end, which is… Read More »Finance – IPO Democratization
While the payments revolution has no doubt reached the retail B2C sector, the same cannot be said about commercial B2B payments. Card payments make up a tiny portion of the whole, while cheques continue to… Read More »Business Model Canvas – Brex
Thanks to meme stocks, Crypto Mania, and IPO democratization, Robinhood has been one disruptor that never ceases to be part of the Fintech news cycle these days. Since the company charges no commissions on trades,… Read More »Business Model Canvas – Robinhood
SoFi (Social Finance) was started in the post-GFC (Global Financial Crisis) era as a challenger model to the Mega Banks before the concept of challenger banks even existed. Now a multi-billion dollar public brand, we… Read More »Business Model Canvas – SoFi
The $MQ ticker is about to go live in June and investors are hoping the share price gets marked-up, as another Fintech disruptor goes public in 2021. Marqeta Overview Unlike many of the other recent… Read More »Finance – Marqeta IPO