Prepaid Revolution part 2: 6 types players in this game and where the puck is headed.

Prepaid debit cards are very different from credit cards and traditional bank accounts, as we explained in Part 1. These simple but profound changes have a big impact on all 6 players in this ecosystem: Consumers. You and me and 7 billion other souls on this planet. We do not pay the payment fees but […]

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Prepaid Revolution part 1: Pandemic at the barricades

Q. What is a mobile wallet? A. It’s a prepaid debit card with glass not plastic. Q. What is a low cost bank account and payment system? A. It’s a prepaid account with both plastic and glass form factors for payment. The logic of this has been known for a while. Prepaid accounts are technically […]

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The power of the Stripe Treasury Baas

Writing good things about Stripe is cliché Stripe’s mission is to increase the GDP of the internet by making it easy to launch and run an online business[1]. Efi Pylarinou is the founder of Efi Pylarinou Advisory and a Fintech/Blockchain influencer – No.3 influencer in the finance sector by Refinitiv Global Social Media 2019.  Stripe Treasury, one of the two new Stripe offerings, is creating a buzz and […]

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Has Softbank’s Vision fund lost sight as it invests in PayTM $1 Bn raise despite mounting losses?

They lost $4.6 Billion with the WeWork deal. They have struggled to raise fund-2. They are now focused on profitability rather than growth. Yet, Softbank fund joined by Alibaba’s Ant Financial pooled in $600 Million for PayTM’s recent $1 Billion fund raise. PayTM is valued at $16 Billion at the end of this funding round. […]

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Walmart hits gold with India Payments as PhonePe valued at $10 Billion

How do you make $10 Billion from $300 Million investment within a year? Walmart did just that with their acquisition of Flipkart in India last year. Flipkart is the ecommerce giant in India, and Walmart acquired a 77% stake in them for $16 Billion in 2018. Flipkart came with its payments app Phonepe (pronounced as […]

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Square`s growth strategy and the masses

The ten-year-old Fintech that listed on NYSE exactly 4 years ago – November 2015 with the ticker symbol SQ; continues to innovate. It is best known as a B2B Fintech in the payments space that had huge success with small merchants globally. It grew with POS terminals and smart credit card readers. As a publicly-traded […]

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Smart Bricks meet Clicks & Voice – the Walmart Way

PHYGITAL E-commerce giant Amazon is a big player in many markets. From e-commerce, cloud, delivery, entertainment, payments, smart home devices, and physical stores. Retail giant Walmart, not included in the FANGs or the GAFAs, as it is a native of another tribe (physical retailers), can actually stand respectfully next to Amazon and other large non-financials […]

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Will SoftPoS be the new global payment mechanism?

SoftPoS stands for Software Point of Sale. If you lived in parts of the world outside of the US, you would have come across contactless payments. It made the payment experience seamless and almost invisible to the customer. As a result, in the UK for instance, by Q4 2018, contactless payments took over chip and […]

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The Rise of Vietnam – the new Asian Innovation hub

Poor existing banking infrastructure? No major Unicorns from the local ecosystem? – No problem. The rise of Vietnam as an innovation/Fintech hotbed is a fascinating trend. A tech savvy population, supportive government regulations, and high smartphone penetration – a great combo that has done wonders to several countries across the world. Image Source Vietnam ranks […]

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$144 Billion value to Sub Saharan Africa – Mobiles lead Fintech for Good

If you joined the Fintech party only this year, and feel you missed on riding the curve – don’t worry. Sub Saharan Africa is where all the Fintech excitement is at the moment. In 2018, Fintech investments in Africa quadrupled to $357 Million. Image Source This is tiny compared to the Billions being invested in […]

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