The model layer is commoditizing faster than any software layer before it. The margin is moving to scarce inputs and to whoever owns the workflow.
Much of payments profit is interest on money in transit. Instant rails remove the transit, rates swing the yield. How to find float dependence.
How do fintech companies actually make money? We break down 9 fintech business models with real examples from Stripe, Robinhood, Plaid, SoFi, and more.
Deep analysis across the systems, strategies, and economics that shape modern technology.
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