Back in early January I shared some of my initial thinking around treasury management as one of a few key trends I was planning to dive deeper into this year. …

Why software purpose built for industry will define the next wave of SaaS innovation (Part I) While rumblings of recession risks continue to captivate headlines, the US employment landscape has, in reality, never looked better. With the unemployment rate of 3.4% now sitting at 50 year lows and new business…

I’m excited about 2023 and the innovation that will come from this moment in time. On the one hand, many companies unfortunately are coming off a second round of layoffs as uncertainty persists about whether the coming year looks bleaker than the last. But while some are treading water as…

GE, Amazon, Shopify & Mindbody — highlighting early movers in fintech innovation by non-fintechs (Part III) For decades, banks have owned the customer relationship end-to-end — meaning that they have better access to the associated data end-to-end, too. We’ve covered before how historically this has been a key competitive advantage…

Apple & Walmart — highlighting early movers in fintech innovation by non-fintechs (Part II) Many fintechs at some point set their sights on becoming the primary depository account. As we’ve unpacked previously, this is because the store of value is seen to create stickiness, if not loyalty, the real ideal. Stickiness drives LTV and therefore viability — the ultimate prize. …

Starbucks, ServiceTitan, Etsy, and Uber — highlighting early movers in fintech innovation by non-fintechs (Part I) Just over a decade ago, the notion that every company was becoming a software company was a provocative thought; now, it’s conventional wisdom. …

In my last post I dove into the rebundling movement and fintech companies’ focus on being the primary account as the holy grail to enable cross sell and therefore profitable unit economics. In this post I’m going to dive deeper into the race among consumer fintechs to create the “super…

The old adage that everything old is new again has consistently held true in consumer fintech. In part, that’s because the early stages of innovation in the space centered on stripping down the incumbent: unbundling the bank. Instead of reinventing each product, they were reimagined in a fresh, modern way…

An Overview of the Sector by Use Case — In recent posts I’ve talked about how we at Redpoint define fintech, why the ecosystem is important, as well as defined the universe of fintech infrastructure. …