Payfac is the model behind fintech’s biggest successes, from Stripe and Square, to Shopify, Uber, and more. It's a critical but misunderstood topic, so here's an explainer in 1,000 words.| notes.mtb.xyz
How the SaaS and fintech models are breaking down, why food delivery and dark kitchens provide an alternative model, and what the future of software may look like as a result| notes.mtb.xyz
The next big fintechs will win with novel distribution, not novel products. In the 2010s the biggest fintechs were product innovators. They closed the gap between the poor UX of traditional financial institutions and the great UX of digital-first products. They combined new tech, regulatory frameworks, and business models to create genuinely novel products: Chime’s branchless bank, Robinhood’s fun fee-free trading, innovative consumer credit products like Earnin’s earned-wage-access or ...| notes.mtb.xyz
Interchange is a complex but critical topic for fintech operators.| notes.mtb.xyz
This is part 1 of a 3-part series on Vertical ERPs (VERPs).| notes.mtb.xyz
Stripe Billing is a recurring billing and subscription management software that automates revenue operations with reporting, dunning, and revenue recognition.| stripe.com