The hottest Financial Services Substack posts right now

And their main takeaways
Top Finance Topics
Snowball • 471 implied HN points • 23 Jan 24
  1. Learn about the Crédit Municipal de Paris, an institution with over 380 years of history providing various financial services.
  2. The Crédit Municipal offers services such as quick loans against valuable items, financial counseling, auctions, and ethical savings options.
  3. The institution aims to innovate and modernize its services, while maintaining a focus on social impact and financial empowerment.
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The Fintech Blueprint • 511 implied HN points • 18 May 23
  1. Smart raised $95MM in funding for retirement planning through payroll-roboadvisor integration.
  2. Goldman Sachs gained $1B from Prime Capital for its custody business.
  3. The digital wealth industry is evolving with automation transforming the financial sector.
Fintech Business Weekly • 156 implied HN points • 12 Nov 23
  1. Brigit faced FTC allegations despite good intentions in serving lower-income users
  2. FTC alleged deceptive practices by Brigit, including misleading claims and difficult subscription cancellations
  3. The Federal Reserve proposed lowering the debit interchange cap, expecting cost savings for merchants and potential impacts on fees and ecommerce
The Fintech Blueprint • 78 implied HN points • 09 Jan 24
  1. Understanding time series data can give a competitive edge in the financial markets.
  2. Fintech's future relies on building better AI models with temporal validity.
  3. AI in finance involves LLMs, generative AI, machine learning, deep learning, and neural networks.
Lewis Enterprises • 235 implied HN points • 06 Jul 23
  1. The future of alternative investments is undergoing significant changes in the market structure with emphasis on investment managers, allocators, and capital owners.
  2. Traditional asset managers are seeking growth by entering alternative investments but are facing challenges due to massive capital deployment impacting returns.
  3. There's a trend towards greater intermediation of capital allocation in the alternative investment landscape, leading to a more specialized distribution approach.
Equal Ventures • 59 implied HN points • 20 Apr 23
  1. Verticalized payroll offerings can provide industry-specific features and better service than horizontal players, creating additional monetizable opportunities.
  2. Industries with complex compensation structures, like real estate and insurance, are potential fits for vertical payroll models due to the unique payment systems.
  3. Traits that make a market ripe for a vertical payroll business vary, but complexity in payment structures and workforce dynamics are often attractive qualities.
European Straits • 8 implied HN points • 12 Oct 23
  1. The media industry has shifted from large organizations to connected individuals, democratizing content creation but also amplifying polarization.
  2. The music industry has transformed with technology but major labels still hold significant control over rights and revenue.
  3. Movies and TV industries face high production costs and competition, leading to a potential slowdown in new content creation and a convergence in look and content.
Chaos Engineering • 2 implied HN points • 29 Jan 24
  1. Affinity marketing involves targeting specific customer groups based on shared characteristics or interests.
  2. Hispanics in the US represent a large segment of the population, often working in labor-intensive jobs and having lower educational backgrounds and incomes.
  3. The Latino American fintech market presents an opportunity to provide financial services tailored to the needs of the Hispanic and Latino communities.
Equal Ventures • 19 implied HN points • 05 Oct 22
  1. Equal Ventures invested in MVMNT, a platform democratizing access to software for freight shippers and brokers
  2. They use a freemium model to address the low willingness of non-digitally native industry buyers to pay for software
  3. MVMNT monetizes through fintech products like QuickPay, insurance, and payments, making their offerings free to customers
Loeber on Substack • 3 HN points • 12 Mar 23
  1. American ecosystem simplifies startup operations, allowing founders to focus on product development.
  2. US infrastructure offers unique advantages for startups, from legal processes to access to funds.
  3. Collapse of Silicon Valley Bank highlights importance of private sector infrastructure in supporting startups.
RegAlert • 0 implied HN points • 19 Aug 21
  1. Microfinance Banks in Nigeria are required to adhere to strict guidelines outlined by the Central Bank, including focusing on providing financial services to retail and micro-clients, rather than engaging in foreign exchange transactions.
  2. At least 80% of the total loan portfolios for Microfinance Banks should be allocated to micro credit facilities, as per the Revised Regulatory and Supervisory Guidelines.
  3. The Circular FPRD/DIR/PUB/CIR/01/020 issued by the Central Bank of Nigeria emphasizes the cessation of non-permissible activities for Microfinance Banks.
CyberSecurityMew • 0 implied HN points • 06 Dec 23
  1. Bangsun Tech terminated its IPO application with sponsors due to unresponsiveness and failure to update financial data as required by regulations.
  2. The company's IPO journey, from initial application to termination, lasted less than six months, highlighting the challenges faced in the process.
  3. Bangsun Tech, primarily operating in the financial sector, revealed concerning financial information in the prospectus, including significant losses and over ambitious fundraising plans.
nic thinks about things • 0 implied HN points • 22 May 23
  1. Nations fail due to extractive institutions and thrive with inclusive ones - a lesson from Why Nations Fail.
  2. The Captured Economy highlights how entities rig the economic game in their favor through rent-seeking tactics.
  3. Housing issues impact various aspects of life, from jobs to education, with solutions like land value tax and radical market reforms proposed.
Equal Ventures • 0 implied HN points • 12 Aug 20
  1. Amazon's impact on the supply chain has forced industry players to modernize their systems to meet customer demands
  2. The growth of eCommerce and rising return rates have put stress on traditional supply chains, necessitating digital infrastructure for efficiency
  3. In the logistics sector, there is a need for new business models, digital solutions, and financial services providers to enable existing players to compete effectively with Amazon
The Jolly Contrarian • 0 implied HN points • 17 Nov 23
  1. Reports of our death being exaggerated, partly due to fears of technology replacing humans. However, humans excel in ambiguity and novelty that machines can't handle.
  2. In banking, big tech companies like FAANGS have superior technology and reputation compared to traditional banks. The main advantage banks have is in regulation and compliance, areas where tech firms struggle.
  3. Quality people and leadership remain crucial in industries like banking, where human qualities like improvisation and judgment set us apart from machines. Competing with machines on their strengths can lead to our downfall.