Matt’s Newsletter | Substack

This question has bugged me for a while. I don’t have an answer to it, but I have a few hypotheses. I’m publishing this to solicit feedback, so please let me know what you think! TLDR The best companies exploit feedback loops like network effects to win in winner-take-all…

Mar 21

Many fintech business models are based entirely on card payments: they make money when users accept or make cards payments. Startups have been crowding…

Feb 15

Interchange is a complex but critical topic for fintech operators. It’s the foundation of many fintech businesses, yet many struggle with the basic…

Jan 23

TLDR Changes in technology lead to new business models (e.g., browser → SaaS → AWS → freemium). This cycle is moving faster and enabling many novel…

Nov 9, 2022

If you’ve bought anything online in the last two years, you’ve noticed the checkout page is… crowded. Gone are the days of simply paying by card…

Oct 4, 2022

A new wave of fintech infrastructure companies will solve “undifferentiated heavy lifting” problems, allowing fintechs to focus on what actually makes…

Sep 7, 2022

Some ideas I'm thinking about now: vertical ERP's, next-gen open banking, closed loop payment systems, financial services for HNWI's, and unbundling…

Aug 14, 2022

This is the third and final part of a series on vertical ERPs (VERP). Here is Part 1 and Part 2. Once a VERP owns a key workflow that’s adjacent to…

Jul 22, 2022

Matt’s Newsletter

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