The hottest Fintech Substack posts right now

And their main takeaways
Category
Top Business Topics

Peoples Co Integrates AcreTrader, ExtraHop $100M, 1M Halara Customers Leaked

The API Changelog • 1 implied HN point • 17 Jan 24
🕹 Technology API Fintech AI Security Innovation
  1. Peoples Co integrated AcreTrader to provide better land analysis for agricultural real estate market.
  2. ExtraHop secured $100 million in growth capital for expansion in network detection and response market.
  3. Over 1 million Halara customers had their data leaked due to an API vulnerability, stressing the importance of API security.

How fintech can adapt to a tougher environment; Revolut vs Softbank; What is the difference between “pull” and “push” payments?;

Fintech Wrap Up • 0 implied HN points • 24 May 23
💰 Finance Fintech Regulation Digital Payments
  1. Fintech firms need to focus on survival and profitability in a competitive environment
  2. Bank of England plans to reject Revolut's banking license due to concerns over balance sheets
  3. Real-time payments are growing globally, driven by successful services and government mandates

Apple’s fintech strategy; FedNow is under the "radar" of Stripe; 2023 Business payments barometer;

Fintech Wrap Up • 0 implied HN points • 21 Jun 23
💼 Business Fintech Payments Acquisitions Regulations
  1. Apple has experienced significant growth in its fintech offerings through partnerships and products like Apple Pay and Apple Card.
  2. FIS acquired the BaaS startup Bond, showcasing continued consolidation in the fintech industry.
  3. Venmo and Cash App are facing pressure from Senate Democrats to improve security measures due to concerns about fraud and consumer protection policies.
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UBS to cut more than half of Credit Suisse workforce; How does B2B fintech pricing evolve?; Goldman in talks to offload Apple credit card, savings products to American Express;

Fintech Wrap Up • 0 implied HN points • 05 Jul 23
💼 Business Fintech Banking Cryptocurrency Economics Investing
  1. UBS plans to cut over half of Credit Suisse workforce due to a takeover.
  2. Visa acquires Brazilian fintech Pismo in a $1B deal with notable clients like Citi and N26.
  3. Goldman Sachs considers moving Apple credit card and savings products to American Express after losses.

Revolut’s US payment flaws allowed thieves to steal $20mn; China wraps up fintech crackdown with big fines on Tencent, Alibaba;

Fintech Wrap Up • 0 implied HN points • 12 Jul 23
💰 Finance Fintech Payments Regulation Consumer behavior
  1. Revolut had flaws in their US payment system that allowed thieves to steal $20mn
  2. China imposed big fines on Tencent and Alibaba as part of a fintech crackdown
  3. AI in financial services is evolving with the rise of generative AI, complementing traditional AI

#35 Manuel Silva: VC firm building, LP fundraising hacks, and the future of finance

Views • 0 implied HN points • 31 Oct 23
💼 Business Venture Capital Fintech Banking System
  1. Curiosity and diverse experiences play a key role in shaping a successful career in VC and fintech innovation.
  2. Building a corporate VC arm requires seizing the right opportunities, managing complex problems, and ensuring a personal fit.
  3. Lessons from Silicon Valley highlight the importance of strong relationships, ambitious thinking, ecosystem connections, and personal reputation.

Noncompete Clauses Foolishly Hinder Fintech Innovation. Let's Ban Them.

James Ledbetter's FIN • 0 implied HN points • 11 Feb 24
💼 Business Fintech Innovation Startups Financial Technology
  1. Noncompete clauses hinder innovation and restrict employee mobility. Banning them can lead to greater innovation and job opportunities.
  2. PayPal's days of rapid growth are over, facing challenges like loss of active users and slowed innovation. A new CEO seeks to steer the company to future growth.
  3. Various fintech news include European Parliament passing a measure for faster money transfers in the euro zone, a startup fundraising to prevent fraud in real estate transactions, and a lawsuit seeking $3 billion from Digital Currency Group and Gemini Trust for alleged cryptocurrency scheme fraud.

The inaugural Africa Fintech Market Update: January 2024

Afridigest • 0 implied HN points • 14 Feb 24
💰 Finance Fintech Investment Trends
  1. The inaugural Africa Fintech Market Update report provides a monthly overview of key fintech developments across the continent, making it easier for followers to stay informed.
  2. In January 2024, eleven Africa-focused fintech startups collectively raised $25 million, showcasing continued investment trends in the sector.
  3. Notable highlights include Nigerian neobank Kuda's impressive customer base growth and South Africa's Ukheshe leveraging an acquisition to expand its market reach.

Bitcoin's Gotta Halve It

James Ledbetter's FIN • 0 implied HN points • 18 Feb 24
💰 Finance Cryptocurrency Personal Finance Investments Fintech Artificial Intelligence
  1. Bitcoin's mining fees are halved approximately every four years, impacting the currency's supply and value. This reduction in mining rewards plays a significant role in the dynamics of the cryptocurrency market.
  2. After the closure of Mint, several contenders, like YNAB, Simplifi, and Monarch Money, aim to fill the gap in personal finance management. These successors are exploring new revenue models and innovative features to attract users.
  3. The evolution of personal finance tools includes trends like access to advisors, integration of artificial intelligence, and customization for various financial situations. These advancements aim to enhance user experience and offer valuable financial planning insights.

Afridigest Fintech Review: Carbon captures Vella to bring about business banking breakthrough

Afridigest • 0 implied HN points • 19 Feb 24
💼 Business Fintech Banking Investments Mergers & Acquisitions Market Update
  1. Two fintech financing transactions and two M&A deals were announced recently in the African fintech scene.
  2. Tunisia joined the Pan African Payments and Settlement System (PAPSS), becoming the thirteenth central bank member and the first from North Africa.
  3. Notable companies like Carbon, Vella Finance, Flutterwave, and executives from various fintech organizations were highlighted in the Fintech Review.

Sec-UN Releases "Greater Bay Area Financial Security Journal”Volume 1

CyberSecurityMew • 0 implied HN points • 30 May 23
🕹 Technology Cybersecurity Fintech Digital economy Financial Institutions
  1. The Greater Bay Area in China's Pearl River Delta is a key hub for financial innovation and digital economic growth.
  2. Financial institutions are facing increasing cybersecurity challenges due to the growth of financial technology, requiring a focus on security during digital transformation.
  3. The 'Greater Bay Area Financial Security Journal' offers insights from cybersecurity practitioners to enhance protection and drive sustainable financial innovation in the industry.

Dub Bets on the Social Appeal of Copy-Trading

James Ledbetter's FIN • 0 implied HN points • 04 Mar 24
💰 Finance Fintech Cryptocurrency Investing
  1. Copy-trading is gaining popularity among retail investors due to factors like high-speed internet access, smartphone adoption, and the ability to mimic trades of established traders.
  2. The social trading platform market is projected to grow significantly, with a compound annual growth rate of 7.8%, driven in part by chatbot integration and artificial intelligence.
  3. Dub, a new copy-trading app, is disrupting the market by offering one-tap trading to copy U.S. equities, focusing on portfolio management, simplicity, and transparency to stand out from competitors.

Yes, Crypto. The Smart Money Is on Farmland.

James Ledbetter's FIN • 0 implied HN points • 11 Mar 24
💰 Finance Cryptocurrency Investing Fintech Economy Agriculture
  1. Investing in farmland can be a smart long-term choice, offering consistent returns, inflation protection, and potential growth driven by global trends like population growth and innovation.
  2. Platforms like AcreTrader, FarmTogether, and Alto Marketplace are making it easier for accredited retail investors to access farmland investments as part of a diversified portfolio strategy.
  3. Despite the risks like weather impacts and limited liquidity, the interest in farmland investing is growing with the potential for significant returns over time and unique investment opportunities.

BNPL Competition Is Fierce. For Now, Satisfaction Is Highest for Credit Card Issuers: A Q&A with J.D. Power’s Miles Tullo

James Ledbetter's FIN • 0 implied HN points • 18 Mar 24
💰 Finance Fintech Cryptocurrency Investments Regulation Market Trends
  1. One in five U.S. shoppers used Buy Now Pay Later services, with younger consumers mainly using BNPL for daily essentials, showing fierce competition in the market with traditional credit card issuers leading in satisfaction.
  2. The 2024 U.S. BNPL Satisfaction Study by J.D. Power found high satisfaction with credit card issuers like American Express, Chase, and Citi compared to BNPL providers Klarna, Afterpay, and Affirm, indicating key areas where card issuers are excelling.
  3. Factors affecting customer satisfaction with BNPL services include demographics, user behavior, and the types of purchases made, showcasing a shift towards security and terms as driving factors for future BNPL growth, alongside the importance of regulatory oversight for market evolution.

Google Marketing API, Tavus $18M, Microsoft Patches 60+ Issues

The API Changelog • 0 implied HN points • 19 Mar 24
🕹 Technology APIs Fintech AI Security Software
  1. Google introduced a new API enhancing administrative control over analytics properties, merging organization details for easier management.
  2. Tavus, a generative AI video firm, raised $18 million and unveiled its Developer Platform with Replica API for text-to-video and digital replica creation.
  3. Microsoft patched over 60 security issues including critical vulnerabilities in HyperV and Open Management Infrastructure to ensure user safety.

5/13 TBC Insider Digest: Alibaba, Pinduoduo et al

Tech Buzz China Insider • 0 implied HN points • 14 May 21
🕹 Technology Fintech E-commerce Regulations Algorithms
  1. Chinese regulators are working on fintech regulations to prevent disorderly expansion of capital in internet firms.
  2. Alibaba's HR system called "zhengwei" is considered a key enabler of its success and is unique compared to other organizations.
  3. Colin Huang, founder of Pinduoduo, has a clear vision for the company focused on remaking the relationship between supply and demand for consumer goods.

🎧 🧱 Sid Sridhar | Finding PMF in Africa

Tippets by Taps • 0 implied HN points • 07 Nov 24
💼 Business Startups Fintech International Product Development Emerging Markets
  1. Building fintech products in Africa can be challenging but rewarding. It's important to understand the unique operating environment in emerging markets.
  2. Finding product-market fit is crucial for startups, and it can come with various operational hurdles. Learning from those challenges can drive growth.
  3. Transitioning from a large company to a startup requires a different mindset. It's useful to know how startup operations differ between developed and emerging markets.

Papaya Global's Eynat Guez on the Magic of AI in Payroll, Owning the Payment Rails and Why Younger Generations Are "Unbanking"

James Ledbetter's FIN • 0 implied HN points • 11 Nov 24
💼 Business Fintech Payroll AI Payments Global Trade
  1. AI is really changing how payroll works by helping to easily extract data from documents. This makes processing payroll much quicker and easier for companies all over the world.
  2. Younger employees want more digital benefits and flexibility in how they get paid. Companies like Papaya Global are trying to meet these demands with new features like employee wallets for better control of their money.
  3. Many traditional companies are still using outdated spreadsheets for payroll. They need to adapt quickly to new technology and regulations to keep up with modern business demands.

From FDs to IPOs: The Investor Shift Shaking Up Financial Institutions

Decentralised • 0 implied HN points • 03 Oct 24
💰 Finance Investments Markets Banking Fintech Consumer behavior
  1. More people in India are moving their money from safe savings options like fixed deposits to investing in the stock market. This trend is growing quickly.
  2. There are now many more retail investors actively participating in the stock market, with millions of new investment accounts opened recently. This is changing how people invest.
  3. Financial institutions like banks need to update their technology and adapt to the changing market. If they don't, they risk losing customers to newer fintech companies that provide better services.

GFF 2024: India's Fintech Vision on the World Stage

Decentralised • 0 implied HN points • 06 Sep 24
💼 Business Fintech Innovation Global Economy Regulation Investment
  1. Payments and lending were the biggest topics at the festival. Many startups showed off new ways to lend and move money across borders.
  2. Indian SaaS companies are doing really well, especially with new tech for lending and security. The creativity in this area impressed many attendees.
  3. NPCI was recognized as a leading innovator in fintech. They introduced new features like UPI Circle and showed how they’re pushing for more fintech advancements.

The Future of Money: India or the West?

Decentralised • 0 implied HN points • 02 Aug 24
💰 Finance Payments Fintech Innovation Global Economy
  1. India is leading in payment innovations like UPI, which has skyrocketed transaction numbers and financial inclusion. This shows that developing countries can sometimes teach developed nations a thing or two about digital payments.
  2. The UK, despite being an early pioneer in payments, is not growing as fast as India. Its Faster Payments Service has only gained a small share of transactions, while UPI has taken over the market in India.
  3. For successful payment systems, it's important to focus on user-friendliness and strong government support. Learning from India's successful payment models can help improve financial technology in other countries.

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.

Hubspot Imports API Validations, FINSIGHT + CFR, Exabeam OpenAPI

The API Changelog • 0 implied HN points • 14 Jan 25
🕹 Technology APIs Telecom Digital Services AI Fintech
  1. Aduna is a new company aiming to improve global network API usage. They want to make it easier for developers to access and innovate with network capabilities.
  2. HubSpot's CRM Imports API will start checking for required properties before creating records. This means missing important details will cause an error when trying to import data.
  3. Exabeam has launched a new security platform that supports OpenAPI standards. This will help improve detection of security threats and make the operations center more efficient.

How AI Will Reinvigorate Consumer Tech

Digital Native • 0 implied HN points • 22 Jan 25
🕹 Technology AI Consumer Fintech Gaming Video Education Health
  1. AI is poised to transform consumer technology across various sectors. This means we could see innovative changes in areas like gaming, shopping, and healthcare.
  2. Investing in consumer startups might be more valuable than it seems. Notable past consumer companies have shown that the potential gains can be significant, indicating a resurgence in consumer-focused ventures is on the horizon.
  3. New tools powered by AI could revolutionize how we interact with everyday activities, making things like learning, dating, and even shopping much more personalized and engaging.

AI Needs Crypto and Crypto Needs AI

Reverie by Daniel Cawrey • 0 implied HN points • 16 Jan 25
🔮 Crypto Blockchain Cryptocurrency Decentralization Fintech Artificial Intelligence
  1. AI and crypto are becoming closely linked, creating new ways for them to work together. This new relationship is called decentralized AI, which uses crypto for incentives.
  2. Blockchains provide useful features for AI and can help reduce costs and improve payments. This means AI can become more efficient with lower fees and without borders.
  3. As AI evolves, it will likely rely more on crypto for resources, like paying for data sharing or using marketplaces. This could lead to big changes in how we use AI in the future.

MikMak New APIs, Harness + Traceable, DeepSeek Increases API Prices

The API Changelog • 0 implied HN points • 19 Feb 25
🕹 Technology APIs Digital Infrastructure Software Development Cybersecurity Fintech
  1. Aduna is working to make access to network APIs easier around the world by partnering with Sinch, which will help improve digital communication services.
  2. MikMak has launched new APIs and made updates to its platform to help brands increase sales and expand globally, including new pricing intelligence tools.
  3. DeepSeek is raising its API prices, which may lessen competition for cloud vendors while helping businesses focus on localized deployments.

Open Finance datasets to support small businesses; How Mastercard Plans To Beat Visa; The value of embedded banking for platforms;

Fintech Wrap Up • 0 implied HN points • 31 May 23
💼 Business Finance Technology Regulation Fintech
  1. Open Finance goes beyond Open Banking to provide a wider range of financial data for better services and covers areas like accounting, tax data, and digital identity.
  2. Platforms can benefit greatly from embedded banking, leading to increased revenue, better data insights, and improved customer loyalty.
  3. Future retail trends are focusing on the integration of in-store and online shopping experiences, with innovations like 'Buy Now, Pay Later' to enhance trust and user experience.