Notes from Matt Brown

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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…
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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…
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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…
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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…
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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…
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Matt Brown
Undifferentiated heavy lifting in fintech
A new wave of fintech infrastructure companies will solve “undifferentiated heavy lifting” problems, allowing fintechs to focus on what actually makes…
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Matt Brown
Request for Fintech Startups - Summer 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…
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Matt Brown
Notes from Matt Brown
Notes from Matt Brown
Occasional notes on tech and investing, heavy on the fintech.

Notes from Matt Brown

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