The fintech sector is undergoing a clear shift from hypergrowth at all costs to disciplined, sustainable expansion. Recent results from Q2 ’25 show that while global leaders like Visa and Global Payments are seeing expense growth outpace gross profit, firms such as Affirm and Toast prove that high growth can still be achieved with operating discipline. Net profit margins, capital efficiency, and leverage profiles vary widely across the peer set, underscoring the different strategies shaping...| Insight - 2023
For years, scale dictated strategy: big banks managed credit cards in-house, while smaller players leaned on agent banks and program managers. With cloud-native platforms, modular stacks, and AI automation, these barriers are fading quickly. Issuers of any size can now rethink how they balance control, speed, and capital efficiency to find their own version of success in the credit card space.| insights.flagshipadvisorypartners.com
In just two months, Ramp’s valuation jumped 40% from $16B to $22.5B, a testament to investor confidence in B2B fintech. Ramp’s journey from corporate card challenger to full-stack financial platform illustrates a broader trend: the convergence of spend management, treasury, payables, and embedded finance into unified operating systems.| insights.flagshipadvisorypartners.com
Xero’s $3.1B acquisition of Melio marks a bold move as firms demand seamless, all-in-one platforms. Therefore, software providers are shifting to own the full financial workflow.| insights.flagshipadvisorypartners.com
As fintechs scale, fragile workarounds for tracking customer funds often fail. Application ledgers provide a purpose-built solution for real-time, auditable transaction tracking. Now, Ledger-as-a-Service (LaaS) platforms make this capability accessible, emerging as a critical infrastructure layer enabling faster innovation across the fintech ecosystem.| insights.flagshipadvisorypartners.com
Software platforms are rapidly expanding into payments and embedded finance, capturing more and more of the fintech value chain. Our latest article explores how this trend, long underway in the U.S. is now accelerating across Europe.| insights.flagshipadvisorypartners.com
Flagship Advisory Partners is a boutique consultancy and mergers and acquisitions advisory firm focused on the payments and fintech marketplace.| subscribe.flagshipadvisorypartners.com
Flagship Advisory Partners is a boutique consultancy and mergers and acquisitions advisory firm focused on the payments and fintech marketplace.| www.flagshipadvisorypartners.com
