The hottest Financial Services Substack posts right now

And their main takeaways
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Top Finance Topics

Robinhood’s Smile

Net Interest • 12 implied HN points • 14 Feb 25
💰 Finance Investing Market Trends Financial Services
  1. Robinhood changed the investing game by making it easy and fun, allowing people to trade with no fees. They even added features like free stock for completing tasks to keep users engaged.
  2. After a boom during the meme-stock craze, Robinhood faced challenges as the market dropped, causing many users to lose money and stop trading. Despite this, they found a new way to earn money through higher interest rates.
  3. Now, Robinhood is at a point where they need to decide their future. They can keep focusing on trading like a game or expand into a wider range of financial services.

❄️💖 380 ans d'utilité publique. Un coup de cœur.

Snowball • 471 implied HN points • 23 Jan 24
💰 Finance Investment Personal Finance Banking Financial Services
  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.

Replicating Buffett

Net Interest • 13 implied HN points • 17 Jan 25
💼 Business Investing Corporate Structure Market Analysis Financial Services Entrepreneurship
  1. Warren Buffett took control of a struggling company, Berkshire Hathaway, after realizing its potential value despite its problems. He initially bought shares to gain influence.
  2. Buffett's experience with Berkshire taught him important lessons about organizational structure and the value of permanent capital for investments.
  3. Now, investors like Bill Ackman are trying to create companies similar to Berkshire Hathaway, but it's hard to replicate its successful model because it takes time and patience.
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The Distribution Layer

Lewis Enterprises • 235 implied HN points • 06 Jul 23
💰 Finance Investments Asset management Market structure Financial Services Retail Investors
  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.

Artificial Intelligence: The importance of temporal validity for financial AI

The Fintech Blueprint • 78 implied HN points • 09 Jan 24
🕹 Technology Artificial Intelligence Financial Services Machine Learning Deep Learning Neural Networks
  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.

Brigit's Good Intentions Aren't A Defense to FTC Allegations

Fintech Business Weekly • 156 implied HN points • 12 Nov 23
💼 Business Fintech Regulation Investment Financial Services
  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

Payroll is Big Business

Equal Ventures • 59 implied HN points • 20 Apr 23
💼 Business Payroll Entrepreneurship Market Analysis Financial Services
  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.

October Mixed Bag

Net Interest • 3 implied HN points • 25 Oct 24
💰 Finance Banking Investments Markets Economic Policy Financial Services
  1. Compensation structures in firms can impact employee performance and morale. It's essential to find the right balance to keep people motivated.
  2. Understanding net interest income is important for assessing financial health. It reflects how well a company manages its income from loans and investments.
  3. Mixing insights from different financial areas can provide a broader perspective. This can help in making smarter decisions in finance and investments.

Welcoming MVMNT to the Equal Ventures Portfolio

Equal Ventures • 19 implied HN points • 05 Oct 22
💼 Business Investment Technology Supply Chain Financial Services
  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

Software Can Only Eat So Much: A Look At 10 Industries (Part 1)

European Straits • 8 implied HN points • 12 Oct 23
💼 Business Media Music Financial Services Fashion
  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.

Affinity Marketing and the Latino American Fintech Opportunity

Chaos Engineering • 2 implied HN points • 29 Jan 24
💼 Business Marketing Data Analysis Financial Services Startups Consumer behavior
  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.

#5: SVB and to Build on the Shoulders of Giants

Loeber on Substack • 3 HN points • 12 Mar 23
💼 Business Startup Ecosystem Regulation Infrastructure Financial Services Entrepreneurship
  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.

Bangsun Tech terminates IPO!

CyberSecurityMew • 0 implied HN points • 06 Dec 23
💼 Business IPO Financial Services Regulations Tech industry
  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.

Alert: Central Bank of Nigeria Circular FPRD/DIR/PUB/CIR/01/020

RegAlert • 0 implied HN points • 19 Aug 21
💰 Finance Regulation Banking Compliance Financial Services
  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.

Equal Ventures Focus Area: Logistics

Equal Ventures • 0 implied HN points • 12 Aug 20
💼 Business Investment Supply Chain Digital Infrastructure Business Models Financial Services
  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

Reports of our death are an exaggeration Part 1

The Jolly Contrarian • 0 implied HN points • 17 Nov 23
🕹 Technology AI Tech industry Financial Services Regulation Banking
  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.

Thanh toán trực tuyến

Thái | Hacker | Kỹ sư tin tặc • 0 implied HN points • 19 Nov 12
💼 Business Financial Services
  1. Organizing events like workshops can benefit from upfront online payment to manage attendance effectively.
  2. Searching for convenient online payment solutions in Vietnam has been challenging due to limited options compared to services like PayPal in the US.
  3. Despite the potential, the online payment market in Vietnam has yet to see a successful service like PayPal, with existing companies struggling or shifting to alternative methods like phone card sales.

Market Meltdown

Musings on Markets • 0 implied HN points • 17 Sep 08
💰 Finance Markets Equities Investments Economy Financial Services
  1. The stock market dropped significantly this week, with the S&P 500 down nearly 20% for the year, which is troubling but not yet disastrous.
  2. Financial companies have suffered the most from the market decline, while most other sectors are doing okay.
  3. Despite the market's fears and panic, the overall economy is still holding up well, except for the housing sector.

Future Finance

Decentralised • 0 implied HN points • 31 Jul 24
💰 Finance Fintech Investing Banking Economics Financial Services
  1. Fintech is changing how we view and use money. It's not just about banks anymore; new tech is making finance more accessible.
  2. Understanding financial services can help us make smarter choices with our money. The more we know, the better we can manage our finances.
  3. Keeping up with trends in finance can lead to better opportunities. Whether it's investing or saving, being informed is key to financial success.

Why The Captured Economy Fails

nic thinks about things • 0 implied HN points • 22 May 23
💰 Finance Financial Services Intellectual Property Housing
  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.