The post analyses PIX the new Instant Payment schemes launched in Brasil: its main characteristics, success factors, and the impact that a widely adopted centralized instant payment scheme will have on the Brazilian financial ecosystem.
The goal of this post is to provide a guide on what buy now pay later is, which are its main dynamics, why it is so successful and how profitable it will stay in the longer run.
The post presents an analysis of Visa 2020 10K and uses it to give more context around Visa's history, growth opportunities and potential threats.
What if a crypto currency or a native digital currency becomes the mainstream payment method?
The post investigate the scenario of a digital currency becoming the main mean of payment and its implications on the wider financial ecosystem.
The phenomenon of “Amazonization” refers to the wholesale disruption occurring across retail and eCommerce thanks to the leviathan-like presence of Amazon.com. Considering the platform shift happening in the retail payment space, I believe the same phenomenon of ‘Amazonization’ that happened to eCommerce will eventually happen to the retail Payments space. In this post you will find an...
A few weeks ago, while preparing my 10k analysis for Adyen, I came across a very interesting McKinsey report on Payments and stumbled into the following table on cross-border transfer flows and revenues: What really surprised me, even more than the huge revenue chuck of the B2B segment, was the disproportion between consumer and business segments and, at the same time, the...
A few weeks ago I noticed a tweet from one of the most interesting accounts I follow on Twitter, that of Holger Zschaepitz: Oops! Italy's Target2 liabilities have hit fresh ATH at €513bn. This increases the threat potential of the Italians. If #Italy were to leave the eurozone, the bulk of its liabilities would be lost. pic.twitter.com/LnDw5j1tlk— Holger Zschaepitz...
As my fellow Product Peon taught me a long time ago, the best way to learn quickly how a specific company works, is to analyse its 10k. For this reason, in the Fintech Product Guild, we decided to start a ’10k-a-month’ club. This month we analyzed Adyen, a payment company. What does Adyen do? Adyen was founded around 15 years ago to facilitate the adoption for merchants of electronic...
Over this quarantine, I’ve decided to invest some time in a renowned Coursera course on Banking. The course is great and one of the core concepts of the class is the Hierarchy of Money. Being myself very interested in cryptocurrency, I’d like to explore in this post where Bitcoin sits in this hierarchy. First of all, what is the hierarchy of money? Even though every dollar looks the...