The hottest Financial Services Substack posts right now

And their main takeaways
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Top Finance Topics

❄️💖 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.
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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

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.

Payroll is Big Business

Equal Ventures • 59 implied HN points • 20 Apr 23
💼 Business 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.

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.

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.

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

#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.

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.

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.

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.

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