finance
Interchange Fees Explained: Who Really Pays for Card Payments
What interchange fees are, who pays whom in the four-party model, why rates vary, what regulation changed, and how merchants realistically cut card costs.
PREMIUM
finance
BNPL Grew Up: How Buy Now Pay Later Became a Balance Sheet Business
BNPL quietly became a balance sheet business. Who funds the receivables, who eats the credit cycle, and where the margin survives as banks move in.
technology
Disaster Recovery Planning: What Technology Leaders Actually Need
Disaster recovery for technology leaders: RTO and RPO tiering, the four DR architecture patterns with honest cost multiples, testing, and cloud-era failures.
PREMIUM
technology
The Great SaaS Consolidation: Why Enterprises Are Firing Half Their Vendors
SaaS consolidation is a power transfer to platform vendors, not a cost story. What gets cut, what survives, and how to consolidate without losing leverage.
ai
The AI Vendor Evaluation Framework: How to Score AI Products Before You Buy
A six-dimension scoring framework for evaluating AI vendors, with weights, pass/fail gate questions, and a matrix a buyer can apply in a live meeting.
ai
LLM Observability: How to Monitor AI Systems in Production
Why classic APM misses LLM failures, the four signal layers of LLM observability, what to alert on, and how production traces feed the evaluation loop.
newsletter
FinTekCafe Weekly: The Asset You Cannot Rent
This week: the AI moat you cannot rent, an agent readiness maturity model, cloud repatriation math, and what payments become when the buyer is an AI.
PREMIUM
finance
Agentic Commerce: What Happens to Payments When the Buyer Is an AI
AI agents that buy on your behalf break the payment stack's core assumption. Who carries liability, why fraud models fail, and who captures the margin.
finance
Chargebacks Explained: The Dispute System Behind Card Payments
How the card dispute lifecycle works, what chargebacks really cost merchants, why friendly fraud dominates, and when to fight versus refund.
PREMIUM
ai
Evals Are the Moat: Why AI Products Defend on Evaluation, Not Models
The durable moat in applied AI is not the model. It is the eval suite: the one asset competitors cannot rent, and the one due diligence should price.
technology
Technical Due Diligence: How to Evaluate a Company's Technology Before You Buy
What technical due diligence examines, the red flags that kill deals versus reprice them, how AI changes the checklist, and how to scope a rigorous review.
PREMIUM
technology
Cloud Repatriation: The Workloads Quietly Leaving the Public Cloud
Cloud repatriation is real but misreported. Which workloads actually leave, the breakeven math, the hidden costs, and the portfolio framework that results.