🧠 Fintech is disrupting Wall St. Nubank over 100m users.: Nubank passed 100m customers, Monzo raised again, Affirm, Dave, Robinhood crushed their earnings. Fintech has no chill.

🧠 Top 10 Fintech Innovations; Chime IPO Ready?: As Chime looks to prep its IPO, Coinbase delivers $1bn in profit and Ad spend is up 40% YoY growth is back. Fintech is back. The perfect time to look at the innovations that got us here & where next

🧠 Utah: The past, present and future of Embedded Finance: The future of embedded finance is better lending, compliance, I wanted to understand what makes Utah banks so strong in this area. PLUS: Visa benefits from cross border & Adyen still crushing.

🧠 Synapse is Bankrupt. Plus: KYC is still, still broken. But there's hope.: Bumper edition! Synapse CEO blames Mercury lawsuit for Chap 11. Plus my favorite Rant in ages: Most companies have no idea how easy it is to beat their customer due diligence (CDD) processes.

🧠 BaaS in the UK: The UK is be showing how embedded finance plays out when payments revenue isn't enough, and banks go direct API-first. Plus: Revolut gets a banking licence in Mexico & Petal acquired by Empower.

🧠 Brazil: The country of Fintech's Future: Brazil has RTP, Nubank & momentum. The world should take note. Plus: Profitable banks without UI's (Clearbank), and the Canadian Unicorn Nuvei is a hint at where growth will come from in payments..

🧠 Generative AI Word Salads + Robinhood's Gold Card : It's contrarian to believe Generative AI will disrupt Fintech, which is wild to me. I Ranted + Robinhood’s new Gold card & Why V/MC are fine but consumers aren't.

🧠 Embedded Finance: Life after the consent orders. Apple vs DoJ: Banks exiting their consent orders have high RoE but low risk appetite. Embedded Finance is an ouroboros. What does apple vs DoJ mean for Fintech? Lessons from their battles in the EU.

🧠 Debate over. Fintech has disrupted banking.: Consumer Fintech will be more profitable than banks. The disruption has already started in Brazil, it's coming to the US. Plus; $1trn reasons to love Stripe again and UK making faster payments slower

🧠 The Rise and Fall of Fast.co: Plus; Monzo's raise and US market entry chances, what Synctera's raise means for BaaS and the Fed's role in Capital One x Discover

🧠 Moody's the 115 Year Old Growth Fintech Company: Plus; Klarna's path to profit helped by AI, Nubank keeps crushing and don't look now but Bitcoin is approaching it's all time high.

🧠 Bilt Rewards and the Future of Loyalty.: Plus; What Capital One and Discover means for the payments industry, and where are the $100bn Fintech's?

🧠 Tokens are the future of finance, the economy and everything: Tokens are the most important topic you're not thinking about enough. Plus; Monzo is the 7th largest UK bank, Revolut is a Telco & there's a dating app for people with good credit scores only.

🧠 Is Pay by Bank the next Payment Rail?: Plus; Iran uses UK banks to evade sanctions, Adyen and SHOP Pay are crushing PayPal, and Fintech for Latino's affinity or much more?

Results Season Special - Q1 2024: Julie covers PayPal's shocking PR; Alex is loving LendingClub making boring sexy and Simon contrasts Citi vs Chase in a tale of two banks.

The Next Great Consumer Fintech company: Plus; Apple Card has 12m users but nobody is spending, and New York sues Citi for failing to protect fraud victims

Embedded Finance in crisis: Every company became a Fintech company, but not every partner bank was fully ready for the consequences. Choice Financial's FDIC consent order and Blue Ridge's second in 18 months is a huge problem.

FinCEN reports $212bn identity related suspicious activity: Plus; The AI-First Fintech Company, Wise crushes earnings *again* & From the Big 5 Megabanks to the Big 1.

Building the Deconstructed Silicon Valley Bank: Plus; Why the Bitcoin ETF matters, my take on the Carta drama and Big shifts in corporate and investment banking

BNPL is Good; I will die on this hill: Plus; Scam refund schemes, Revolut makes a loss & Bitcoin hits $45k

Fintech Brainfood's 2023 in Review: The Fintech Resurrection. A free 65 page report.

Scaling Human's with Financial AI: Plus; SumUp raises $300m, Google does BNPL and Apollo's deconstructed Bank

Fintech Lending 3.0: Plus; Klarna partners with Adyen & Nubank does US Dollar Stablecoins

The Token Layer Cake: Plus; Apple & Goldman's divorce & Can Robinhood crack the UK?

Don't hate; collaborate.: Guest Rant author Alex Johnson hits some home truths, plus some bonus Fintech companies