Notes from 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…
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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…
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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…
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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
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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