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Fintech after the crash
Fintech after the crash
In February 2022, Dave, a US challenger bank was valued $5.2bn. Today, Dave’s valuation is $95m.
Ben Robinson
Sep 7, 2023
Economic Entropy: A Mathematical Model of Value Flow in Economics
Economic Entropy: A Mathematical Model of Value Flow in Economics
A law of economic entropy: capital flows across a perceived value difference towards higher perceived value and eventual price equilibrium.
David Galbraith
Aug 29, 2023
Code is a Network
Code is a Network
The structural implications of AI
David Galbraith
Jul 12, 2023
Embedded Finance: we need to stay the course
Embedded Finance: we need to stay the course
Banks like Starling, Westpac and BBVA have slowed down or stopped their BaaS sales. BaaS providers like Solaris, Varengold and Cross River…
Ben Robinson
Jul 4, 2023
Core banking: when jobs are on the line, it’s go-lives that count
Core banking: when jobs are on the line, it’s go-lives that count
TL;DR: Replacement of core banking systems is inevitable. Banking is a 24/7 real-time activity yet banks are running on systems that…
Ben Robinson
May 15, 2023
Embedded Finance Predictions: Insights into a fast-evolving market
Embedded Finance Predictions: Insights into a fast-evolving market
Four key themes emerge from this year’s paper around regulation, verticalization, incumbents’ increasing activity levels, and the widening…
Ben Robinson
Jan 16, 2023
Four Embedded Finance Strategies for Incumbents
Four Embedded Finance Strategies for Incumbents
Goldman Sachs and Standard Chartered are so far leading the way, establishing playbooks for others to follow.
Ben Robinson
Dec 13, 2022
The potential for intelligent automation — and why we’re (re)investing in Jaid
The potential for intelligent automation — and why we’re (re)investing in Jaid
Jaid helps large institutions to intelligently automate important but mundane tasks, like resolving customer post-trade queries or…
Ben Robinson
Nov 18, 2022
Fintech hasn’t solved financial exclusion, but embedded finance will
Fintech hasn’t solved financial exclusion, but embedded finance will
Fintech has achieved a lot — notably around making financial services simpler and more intuitive — but it has failed to solve society’s big…
Ben Robinson
May 30, 2022
The 10-point BaaS buyer checklist
The 10-point BaaS buyer checklist
The embedded banking opportunity is clear, but choosing the right partner might be less so
Ben Robinson
Oct 7, 2021
Navigating the BaaS maze
Navigating the BaaS maze
Banking-as-a-Service might be en vogue, but that doesn’t mean it’s well understood
Ben Robinson
Apr 26, 2021
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