Notes from Matt Brown
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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
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
April 2023
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
March 2023
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
February 2023
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
January 2023
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
November 2022
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
October 2022
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
September 2022
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…
Sep 7, 2022
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Matt Brown
August 2022
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…
Aug 14, 2022
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Matt Brown
July 2022
VERP Product Strategy: Vertical Software, Payments, and Beyond - Part 3/3
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
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Matt Brown
How to Build a Category-Defining VERP - Part 2/3
This is part 2 of a 3-part series on Vertical ERPs (VERPs). Here is Part 1 and Part 3. Vertical ERPs (VERPs) are one of the next decade's largest…
Jul 15, 2022
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Matt Brown
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