Matt’s Newsletter

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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…
Matt Brown

February 2023

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

January 2023

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

November 2022

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

October 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…
Matt Brown

September 2022

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

August 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…
Matt Brown

July 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…
Matt Brown
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…
Matt Brown
This is part 1 of a 3-part series on Vertical ERPs (VERPs). Here you can find Part 2 and Part 3. Vertical ERPs (VERPs) will be one of the largest and…
Matt Brown
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