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The Iron Triangle of Embedded Fintech
The next big fintechs will win with novel distribution, not novel products. In the 2010s the biggest fintechs were product innovators. They closed the…
Jul 31
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Matt Brown
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Bundling, Unbundling, and Timing
The tech industry loves bundling and unbundling. There’s been a lot written on how it works, but little on when it works. Here are some factors that may…
Jul 14
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Matt Brown
The best fintechs turn risk into leverage
Fintech startups must grow fast but manage risk. Most fintechs get good enough it by limiting the downside of risk, but cap their upside in doing so…
Apr 17
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Matt Brown
Why aren’t there more winner-take-all dynamics in fintech?
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…
Mar 21
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Matt Brown
Interchange is a burning platform
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
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Matt Brown
Interchange in 1,000 words
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
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Matt Brown
How to index an entire business model
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
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Matt Brown
The power of point-of-sale products
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
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Matt Brown
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Notes from Matt Brown
Occasional notes on tech and investing, heavy on the fintech.
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Notes from Matt Brown
Occasional notes on tech and investing, heavy on the fintech.
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