Some news - I'm finishing up with Costanoa and ramping up my search for what's next.

jaredfranklin.com/2023/09/18/unc…

No lies

🚨 New Essay Alert 🚨

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The conditions are right for banking as a service (BaaS) to explode in the next few years.

What will that look like? And what will happen next?

I don't know, but here are 9 questions that are shaping my thinking on the future of BaaS.

newsletter.fintechtakes.com/p/baas

New Fintech Takes post.

Don't be surprised if the idea of banks and fintech companies building virtual branches in the metaverse catches on in the next 12 months.

My advice to banks and fintech companies: don't do it!

Here's why:
newsletter.fintechtakes.com/p/metaverse-br…

Fintech Takes: Five fintech trends that caught my eye in January.

1. Fashion-forward Fintech
2. The Neobank-ification of QuickBooks
3. The Credit Bureaus Evolve
4. The Delicate Dance of the DeFi Mullet
5. Better Banking for Lower-Income Americans

newsletter.fintechtakes.com/p/fintech-fire…

Fintech Takes: BNPL is the New Overdraft.

BNPL companies love comparing their products to credit cards, but in the case of pay-in-4 BNPL, the better analogy is overdraft.

Regulation for both overdraft and BNPL (👋consumerfinance.gov) should take this into account.

newsletter.fintechtakes.com/p/bnpl-new-ove…

Final post of 2021.

5 things that won't change in financial services in the next 10 years:

1.) Convenience
2.) Customer Service
3.) Trust
4.) Capital
5.) Banking is Good business

newsletter.fintechtakes.com/p/what-is-not-…

Fintech has a first-party fraud problem and they're talking about it...

Fintech’s Fraud Problem: Why Some Merchants Are Shunning Digital Bank Cards
j.mp/3EzbItC
via @alexh_johnson Fintech Takes
#neobanks #fraud #fintech

The Fintech Acquisition Boom of 2021.

newsletter.fintechtakes.com/p/fintech-acqu…

New Fintech Takes newsletter: We're not a bank. We're a software company.

But is that really true?

I'm mostly unconvinced, but there are three neobanks that really have built differentiated SaaS products.

Will we see more in the future?

newsletter.fintechtakes.com/p/software-not…

How Mid-size Banks Can Survive Fintech

newsletter.fintechtakes.com/p/mid-size-ban…

Reimagining Mortgage Servicing

newsletter.fintechtakes.com/p/mortgage-ser…

Life Stage Products, not Life Stage Marketing.

newsletter.fintechtakes.com/p/life-stage-p…

The gentrification of Deposits.

newsletter.fintechtakes.com/p/gentrificati…

Blend's Big Bets
newsletter.fintechtakes.com/p/blend

What makes customers HAPPY is...

the most fundamental problem to solve for in #FinancialServices
via Fintech Takes
j.mp/35waQG1

The Most Fundamental Problem in Financial Services.

newsletter.fintechtakes.com/p/happy-money

Solving the Credit Invisibility Problem: Why building on-ramps to the U.S. credit system is harder than it seems.

newsletter.fintechtakes.com/p/credit-invis…