𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐝𝐞𝐜𝐥𝐢𝐧𝐞𝐬 𝐢𝐧 𝐠𝐚𝐦𝐢𝐧𝐠 𝐜𝐨𝐦𝐦𝐞𝐫𝐜𝐞
Something interesting shows up when you look at how players respond to a failed payment. They don’t retry. They don’t troubleshoot. Most simply leave. That’s why payment declines matter far more than we assume.
Full post: https://shorturl.at/2xKcm
𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐡𝐨𝐰 𝐢𝐧𝐜𝐞𝐧𝐭𝐢𝐯𝐞𝐬 𝐬𝐡𝐚𝐩𝐞 𝐬𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧 𝐢𝐧𝐟𝐫𝐚𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞 𝐜𝐡𝐨𝐢𝐜𝐞𝐬 𝐛𝐲 𝐅𝐗𝐂 𝐈𝐧𝐭𝐞𝐥𝐥𝐢𝐠𝐞𝐧𝐜𝐞
I have been spending a lot of time looking at how companies choose which stablecoins and blockchains to build on. The interesting part is that the decision is rarely only about speed or fees. Incentives play a bigger role than most teams admit.
https://shorturl.at/kQJQh
𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐏𝐈, 𝐄𝐌𝐈, 𝐚𝐧𝐝 𝐂𝐈 𝐋𝐢𝐜𝐞𝐧𝐬𝐞𝐬: 𝐖𝐡𝐚𝐭’𝐬 𝐭𝐡𝐞 𝐃𝐢𝐟𝐟𝐞𝐫𝐞𝐧𝐜𝐞?
I get this question a lot, especially from founders and PMs building in payments and digital banking. So here is a simple breakdown of the three core licenses you’ll see across Europe. I’m using the French regulatory framework as the reference point because it’s one of the clearest in the EU.
Full article: https://shorturl.at/5mNra
𝐔𝐧𝐜𝐨𝐯𝐞𝐫𝐢𝐧𝐠 𝐓𝐡𝐞 𝐍𝐞𝐰 𝐑𝐚𝐜𝐞 𝐁𝐞𝐭𝐰𝐞𝐞𝐧 𝐈𝐧𝐬𝐭𝐚𝐧𝐭 𝐚𝐧𝐝 𝐓𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐂𝐫𝐨𝐬𝐬-𝐁𝐨𝐫𝐝𝐞𝐫 𝐑𝐚𝐢𝐥𝐬
Over the last few years, I have watched a clear shift in global payments. Cross-border is no longer defined only by SWIFT. Instant payment rails are starting to accelerate, and the industry is quietly entering a new race.
Full article: https://www.linkedin.com/feed/update/urn:li:groupPost:2363621-7402606479452581888?utm_source=social_share_send&utm_medium=member_desktop_web&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐇𝐨𝐰 𝐈 𝐄𝐱𝐩𝐥𝐚𝐢𝐧 𝐭𝐡𝐞 𝐀𝐠𝐞𝐧𝐭𝐢𝐜 𝐀𝐈 𝐒𝐭𝐚𝐢𝐫𝐜𝐚𝐬𝐞 𝐭𝐨 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐓𝐞𝐚𝐦𝐬
I’ve been spending time with BCG’s Retail Banking Report, and Exhibit 7 — the Agentic AI Staircase — is the clearest framework I’ve seen for understanding where banks actually sit today and what AI-first banking really means.
Full post: https://www.linkedin.com/feed/update/urn:li:groupPost:2363621-7402243834115559424?utm_source=social_share_send&utm_medium=member_desktop_web&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐬𝐡𝐢𝐟𝐭 𝐟𝐫𝐨𝐦 𝐮𝐧𝐢𝐯𝐞𝐫𝐬𝐚𝐥 𝐛𝐚𝐧𝐤𝐢𝐧𝐠 𝐭𝐨 𝐭𝐡𝐞 𝐩𝐥𝐚𝐭𝐟𝐨𝐫𝐦 𝐞𝐜𝐨𝐧𝐨𝐦𝐲
I have been thinking a lot about how financial services are changing. The biggest shift today is not only about technology. It is about where value gets created. We are moving from institutions that owned products to platforms that orchestrate outcomes.
Full post: https://shorturl.at/Gy0xX
𝐈 𝐮𝐬𝐞𝐝 𝐭𝐨 𝐭𝐡𝐢𝐧𝐤 𝐬𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧 𝐜𝐫𝐨𝐬𝐬-𝐛𝐨𝐫𝐝𝐞𝐫 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐰𝐞𝐫𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐜𝐡𝐞𝐚𝐩𝐞𝐫 𝐭𝐡𝐚𝐧 𝐭𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐫𝐚𝐢𝐥𝐬. 𝐓𝐡𝐢𝐬 𝐲𝐞𝐚𝐫 𝐟𝐨𝐫𝐜𝐞𝐝 𝐦𝐞 𝐭𝐨 𝐮𝐧𝐥𝐞𝐚𝐫𝐧 𝐭𝐡𝐚𝐭.
𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐓𝐡𝐞 𝐑𝐞𝐚𝐥 𝐂𝐨𝐬𝐭 𝐨𝐟 𝐒𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐛𝐲 𝐅𝐗𝐂 𝐈𝐧𝐭𝐞𝐥𝐥𝐢𝐠𝐞𝐧𝐜𝐞
Read the article here: https://www.linkedin.com/feed/update/urn:li:groupPost:2363621-7399703935906820096?utm_source=social_share_send&utm_medium=member_desktop_web&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐅𝐫𝐚𝐮𝐝 𝐏𝐫𝐞𝐯𝐞𝐧𝐭𝐢𝐨𝐧 𝐏𝐥𝐚𝐲𝐛𝐨𝐨𝐤 𝐟𝐨𝐫 𝟐𝟎𝟐𝟔 𝐛𝐲 𝐒𝐮𝐦𝐬𝐮𝐛
I just finished reviewing Sumsub’s Identity Fraud Report 2025–2026. What they found is a very different fraud landscape than even two years ago and fintech must be aware of these changes.
Download the full report here: https://www.linkedin.com/posts/sirojboboev_fintech-activity-7399431779423617024-ciQy?utm_source=social_share_send&utm_medium=member_desktop_web&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐡𝐨𝐰 𝐚 𝐫𝐞𝐜𝐮𝐫𝐫𝐢𝐧𝐠 𝐛𝐢𝐥𝐥𝐢𝐧𝐠 𝐬𝐨𝐥𝐮𝐭𝐢𝐨𝐧 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐰𝐨𝐫𝐤𝐬
I’ve been thinking about this a lot as Fintech Wrap Up continues to grow — because my own newsletter runs on recurring subscriptions. And the more you scale, the more you realize recurring billing is not “set it and forget it”. It’s a real system, and here's how it works.
https://shorturl.at/s3P38
𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐡𝐨𝐰 𝐂𝐡𝐚𝐢𝐧𝐥𝐢𝐧𝐤 𝐚𝐧𝐝 𝐌𝐚𝐬𝐭𝐞𝐫𝐜𝐚𝐫𝐝 𝐄𝐧𝐚𝐛𝐥𝐞 𝐎𝐧𝐜𝐡𝐚𝐢𝐧 𝐂𝐫𝐲𝐩𝐭𝐨 𝐏𝐮𝐫𝐜𝐡𝐚𝐬𝐞𝐬
Buying crypto directly inside a Web3 app has always been painful. You would sign up, verify your identity again, move funds from an exchange, wait for confirmations, and then swap. Most people gave up long before any tokens arrived.
https://www.linkedin.com/feed/update/urn:li:activity:7398616542172798976?utm_source=share&utm_medium=member_desktop&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐖𝐡𝐞𝐧 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐞𝐜𝐨𝐦𝐞 𝐘𝐨𝐮𝐫 𝐍𝐞𝐱𝐭 𝐏𝐫𝐨𝐝𝐮𝐜𝐭 𝐛𝐲 𝐓𝐢𝐝𝐞𝐦𝐚𝐫𝐤
At some point in every company’s journey, growth in your core product starts to slow.
Full article: https://www.linkedin.com/feed/update/urn:li:activity:7397529345726001152?utm_source=share&utm_medium=member_desktop&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐓𝐡𝐞 𝐄𝐯𝐨𝐥𝐮𝐭𝐢𝐨𝐧 𝐨𝐟 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐀𝐬𝐬𝐞𝐭𝐬 𝐚𝐧𝐝 𝐂𝐫𝐲𝐩𝐭𝐨 𝐛𝐲 𝐆𝐚𝐥𝐚𝐱𝐲
In 2008, a pseudonymous developer named Satoshi Nakamoto released a nine-page whitepaper that quietly started a financial revolution.
Full article: https://www.linkedin.com/feed/update/urn:li:activity:7397167630303805440?utm_source=share&utm_medium=member_desktop&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐁𝐍𝐏𝐋 𝐈𝐬 𝐄𝐱𝐩𝐚𝐧𝐝𝐢𝐧𝐠 𝐈𝐧𝐭𝐨 𝐒𝐮𝐛𝐬𝐜𝐫𝐢𝐩𝐭𝐢𝐨𝐧𝐬 — 𝐇𝐞𝐫𝐞’𝐬 𝐖𝐡𝐚𝐭’𝐬 𝐂𝐡𝐚𝐧𝐠𝐢𝐧𝐠
Buy Now, Pay Later (BNPL) is evolving beyond retail. The next big frontier? Subscription services.
While only 11% of subscription merchants offered BNPL in 2023 (up from ~5% in 2022), the momentum is real — and the potential, untapped.
Read the full article: https://www.linkedin.com/feed/update/urn:li:groupPost:2363621-7396436327862444032?utm_source=social_share_send&utm_medium=member_desktop_web&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐄𝐱𝐩𝐥𝐨𝐫𝐢𝐧𝐠 𝐇𝐨𝐰 𝐀𝐈 𝐈𝐬 𝐓𝐫𝐚𝐧𝐬𝐟𝐨𝐫𝐦𝐢𝐧𝐠 𝐊𝐘𝐂 𝐢𝐧 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐛𝐲 𝐁𝐂𝐆
Financial crime operations cost banks up to 5% of total expenses.Despite billions invested in KYC, screening, and transaction monitoring — half of client refreshes at leading banks still rely on manual work.
Read the full article here: https://www.linkedin.com/feed/update/urn:li:groupPost:2363621-7396073317973192704?utm_source=social_share_send&utm_medium=member_desktop_web&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝𝐢𝐧𝐠 𝐄𝐦𝐛𝐞𝐝𝐝𝐞𝐝 𝐅𝐢𝐧𝐭𝐞𝐜𝐡 𝐢𝐧 𝐔.𝐒. 𝐇𝐞𝐚𝐥𝐭𝐡𝐜𝐚𝐫𝐞
If you think “embedded finance” is only about e-commerce or SaaS, think again.
Healthcare might not sound like a fintech hotbed — but beneath the layers of claims, co-pays, and compliance, a quiet transformation is happening.
Read the full article here: https://www.linkedin.com/feed/update/urn:li:groupPost:2363621-7395379581156929536?utm_source=social_share_send&utm_medium=member_desktop_web&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐔𝐬𝐞 𝐂𝐚𝐬𝐞: 𝐀𝐈 𝐚𝐬 𝐚 𝐖𝐚𝐥𝐥𝐞𝐭 𝐚𝐧𝐝 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐀𝐠𝐠𝐫𝐞𝐠𝐚𝐭𝐨𝐫 𝐛𝐲 Visa
We often think of AI apps as assistants — something that finds, writes, or summarizes for us. But the next wave of AI platforms won’t just recommend what to buy — they’ll pay for it, too.
https://www.linkedin.com/feed/update/urn:li:activity:7394992595850047488?utm_source=share&utm_medium=member_desktop&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
𝐌𝐚𝐬𝐭𝐞𝐫𝐜𝐚𝐫𝐝 𝐯𝐬 𝐕𝐢𝐬𝐚 - 𝐐𝐮𝐚𝐫𝐭𝐞𝐫𝐥𝐲 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐑𝐞𝐬𝐮𝐥𝐭𝐬
What company do you think is leading? Do you think new technologies e.g. AI, stablecoins and etc will disrupt these giants?
Detailed breakdown: https://www.linkedin.com/feed/update/urn:li:activity:7394630142586818562?utm_source=share&utm_medium=member_desktop&rcm=ACoAACGuoR8BN6bUwzjJ6VWz1urNC37W_5i0yRw
