Fintech & financial services
Business models of banks, neobanks, payments, BNPL, brokerages and the public-market routes they take.
Digital Banks, IPOs & Consumer Trust
Trust will win in the end.
Qapital Business Model Analysis
The emergence of Qapital as a growing and relatively popular PFM app signals that the market for “budgeting apps” may be heating up.
The Digital Banking Business Model – 2023 Outlook
At this juncture in market history, an interchange-based payments model does not appear sustainable as a standalone model for Digital Banks.
Strategy – Revolut + ‘Pay With Crypto’
Strategy – Nubank + Nucoin Token
The strategy behind Nucoin is to rewards users, almost as a loyalty program.
Micropayments Business Model
Overall, Micropayments are the probable ‘game changer’ of the future media models that revolve around incentivizing the top creators and creating new, scalable revenue streams.
Stripe Business Model
Future markets around Embedded Finance and B2B Payments will create new demand for elegant and simple solutions, for which Stripe is perfectly placed to execute on.
Square (Block) Business Model
Overall, Block has a very complicated business model between merchant and P2P Payments, Banking Subscription and Services, Bitcoin, and BNPL.
Venmo Business Model
the business model for Venmo – now that they have a network of ~90 million users across the U.S. – is to begin to generate more merchant transactions where they make their payment processing margin
Future Banking Business Model
Overall, the future banking business model likely looks much different than the current banking business model.
Strategy & Business Model – N26 Brazil
Brazil may be an optimal market for N26 to try honing both its brand messaging and new business model in order to bring back the rapid growth the company saw in its earlier years.
Strategy & Business Model – Afterpay Money
Afterpay is hoping to ride the demographic tailwinds of the younger generations and make a big splash in the retail banking sector with its Afterpay Money strategy and business model.
Strategy & Business Model – Revolut Super App
Revolut’s strategy shift towards a ‘financial super app’ will have significant impacts on their business model, and ultimately their success in the long-term.
Business Model Canvas – Nubank
Nubank’s primary revenue streams are built around the company’s credit card business.
Finance – IPO Democratization
IPO Democratization is not another trend, it is a new channel for retail investors to invest alongside institutional investors on promising IPOs.
Business Model Canvas – Brex
The fragmentation in the business banking world has created an opportunity to companies like Brex to become household names among startups and SMBs looking for corporate cards, B2B payments, and other expense-management solutions.
Business Model Canvas – Robinhood
Robinhood is using the PFOF revenue model to build its platform and expand into other areas of the market.
Business Model Canvas – SoFi
the principal way that SoFi makes money is by lending to its customers
Marqeta Business Model & IPO
New Retail – BNPL (Buy Now Pay Later)
Business Model Canvas – Klarna
Business Model Canvas – Affirm
As we will see in this Business Model Canvas post, the company’s ambitions go far beyond credit.
Business Model Canvas – Mint
All told, Mint is not only reinventing its product, but potentially also its business model.
Business Model Innovation – BNPL (Buy-Now-Pay-Later)
The business model innovation in BNPL is part payment processing, part banking.
Business Model Canvas – Payments
Payments is a complex, fragmented, multi-trillion dollar industry that is currently in the throes of disruption.
Business Model Canvas – Chime
Chime’s business model is different than virtually all of the other Neobanks.
Finance – SPAC, Direct Listing, IPO
Overall, SPACs add another layer of intrigue to public markets.
Business Model Innovation – Apple Pay
Apple Pay is a good example of Business Model Innovation (BMi).
Business Model Canvas – Banking
the banking business model is built around NIM (Net Interest Margin) and AUM (Assets Under Management).
Business Model Canvas – Equity Crowdfunding
Now, we see platforms and volumes expanding exponentially around the world, with equity crowdfunding becoming a core component of the new venture-capital infrastructure.
Business Model Canvas – Wise
Transferwise (Wise) is a borderless, digital-only currency exchange platform
Business Model Canvas – Monzo
Monzo is a UK-based Digital Bank with a focus on customer experience and user-friendly design to help separate it from the über-competitive market.
Business Model Canvas – Revolut
Revolut is a digital, branchless challenger bank based in the UK that offers frictionless low-fee banking and free intra-currency transfers to both consumers and businesses.
Business Model Canvas – N26
N26 is ‘the Mobile Bank,’ one of the world’s top challenger banks based out of Germany
Business Model Canvas – Finance 2.0
Business Model Innovation – Afterpay Touch
it’s clear that in the age of eCommerce and oversaturated consumers, AfterPay has a winning formula