What if ... it doubles again

Last week Lemonade had its Investor Day, a few days before they released their Q3 results. This edition of the newsletter is dedicated to their surprises, some new facts & figures about t...

Cryptocurrency Industry Regulation Proposals by the Market Players

In view the recent publishing by the Financial Stability Board (FSB) of the report on the proposed framework for international regulation of the cryptocurrency industry, which was a result of F...

November Week 3: Early Stage Fintech Funding in Developed Countries: Themes and Trends

This week I cover 14 transactions that were covered in Crunchbase over the last 14 days across Pre-seed to Series B, and raising in total a bit over US$100ml. Segments covered this week include...

How You DAO

There’s a famous saying in business that culture eats strategy for breakfast . Organizations are made up of people, and the organization’s culture dictates how they behave. The best strategy i...

Lock, Stock, and Fintech: Features of Ukrainian Digital Banks

Do you love fintech as much as I do? Especially the Ukrainian one, which drives the banking system of my native country. It is still very young but makes progress that fascinates foreign banks....

What Does The Industry Really Think About Variable Recurring Payments (VRPs)?

Variable Recurring Payments (VRP) are a major step forward for payments and the wider Open Banking movement.  In July 2022, the CMA9 banks were mandated to introduce VRP for sweeping. Yet, this...

Competition in payments: The rise of A2A payments and the role of regulation

Payments modernisation is a hot topic right now—and for good reason. New and innovative digital payment technologies and instruments are emerging constantly, sharpening competition across the p...

Why has The Payments Industry Neglected SMEs?

Throughout the years, small businesses and sole traders have faced many challenges. One of the most prominent is the need for customised financial services. Regrettably, SMEs have to "make...

Only when the tide goes out do you discover who's been swimming naked

Last month we had the ITC event in Vegas, and I feel obliged to dedicate this edition of the newsletter to my takeaways from this conference. It took a while to digest the two days of discussio...

Perspectives Of Global Cryptocurrency Regulation

Recently, the European Parliament and the European Commission have provisionally agreed on the regulation project aimed at the cryptocurrency market called Markets in Crypto-Asset Regulation ( ...

Is BNPL the future of B2B payments?

Buy Now, Pay Later (BNPL) is an established and expected method of online payment in B2C, with growth driven by fintechs offering accessible digital payment systems. Precedence Research says th...

Crash of Bitcoin: is the crypto winter here to stay or coming to an end?

Crypto market is going through wild changes, and record drawdown of key coins during the last five months has made people nervous. However, the current decline is a natural and, in my opinion, ...