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Square

big techdigital lendingneobankpaytechSocial / Community
·Sep. 20, 2021

Unlocking Demand-side growth with Square’s payment network and Goldman’s GreenSky acquisition

Square upgrades Cash App into a payment processing powerhouse, completing the loop between the consumer and merchant side of the house. Goldman Sachs acquires GreenSky, adding a lending business at the point of intent. This analysis connects these symptoms into a framework explaining the increasing integration between commerce and finance, and the increasing role that demand generation plays. That in turn explains how the attention and creator economies interconnect with financial services.

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acquisitionbig techCryptodigital lendingfixed incomeIPO / SPACventure capital
·Aug. 9, 2021

Acquisition arbitrage between public and private fintech revenues, highlighted by Figure and Starling

In this analysis, we explore an overarching framework for the M&A activity in the fintech, big tech, and crypto ecosystems. We discuss acquihiring, horizontal and vertical consolidation, as well as the differences between growth and value oriented acquisition rationales. The core insight, however, is about the arbitrage between the fintech and financial services capital markets, as evidenced by the recent transactions for Starling and Figure.

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digital transformationEmbedded FinanceIPO / SPACneobankOpen Bankingventure capital
·Jun. 27, 2021

The Fintech tipping point is here — Visa’s $2B Tink acquisition, Dave neobank $4B SPAC, and Revolut’s 15MM users in context

The fintech industry is coming up on the tipping point of funding, revenue generation, and user acquisition to rival traditional finance with $20 billion in YTD fintech financing, the several SPACs, and Visa’s $2B Tink purchased. Defensive barriers have eroded.

Let’s take a moment to compare capital. While it is not the money that wins markets, it is the transformation function of that money into novel business assets that does. And while the large banks have a massive incumbent advantage with (1) installed customers and assets, and (2) financial regulatory integration (or capture, depending on your vantage point), there is a real question on whether a $1 generates more value inside of an existing bank, or outside of an existing bank — even when it is aimed at the same financial problem.

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decentralized financeentrepreneurshipexchanges / cap mktsIPO / SPACmonetization / commercialpaytech
·May. 17, 2021

Marqeta’s $300MM of revenue & Ethereum’s $20B in ann. transaction fees highlight opportunity and industry structure

This week, we cover these ideas:

  • How market structure determines the types of companies and projects that succeed

  • A walk through Marqeta’s economics and business model, and how Square’s Cash App and DoorDash were needed for success

  • The emerging $10B transaction revenue pool on Ethereum, MEV, and the changes to mining and gas

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asset managementInvestingneobankroboadvisor
·Feb. 12, 2021

How M1 Finance’s $3B AUM super-app is outcompeting Wealthfront, Robinhood, and Schwab, with CEO Brian Barnes

In this conversation, we talk with Brian Barnes of M1 Finance, about finance “super apps”, the cost-efficiencies of robo-advisors, fractionalized share trading, and tackling the titans of the Wealth Management industry. We also discuss the nuts and bolts of the financial infrastructure making this possible.

M1 Finance bundles together roboadvisory, neobanking and lending into a single “super app”, allowing for combined pricing power (i.e., charging nothing on asset allocation). The firm currently has $3 billion in AUM, a growth of 50% in the past four months and tripling their total in just over a year. Notably, the company has its own broker/dealer and offers fractional shares, and partners with Lincoln Savings bank on the deposit accounts. That makes for a compelling business model from securities lending, interchange, and order flow.

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Pay with Cash App
Payments
·Sep. 14, 2021

Square announces Pay With Cash App

The firm joins Shopify and Paypal in the burgeoning fintech payments race.

 

The new system is unique, creating a closed network outside of the giants that make POS possible.

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FintechMergers & Acquisitions
·Aug. 2, 2021

The First All-Fintech Megadeal: Square is Buying Afterpay

It is not news that the buy-now-pay-later space is the hottest vertical in fintech. With three companies, Afterpay, Klarna and...
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Chinadigital lendingeCommerceMetaverse / xRneobanksmall businessSocial / Communitysuper appsupply chain / trade
·Jun. 13, 2021

The links between tech, commerce, and finance behind Klarna’s $45B valuation and Pinduoduo’s $150B marketcap

This week, we cover these ideas:

  • Klarna’s $640 million raise and its $45 billion valuation, and how its business model arbitrages the payments revenue pool to build a lending business

  • Pinduoduo’s growth path to a $150B marketcap, and the links between shopping, media, and financial mechanisms that help it compete with Alibaba

  • A comparison of approaches to growth and economics

  • Implications for crypto assets for capturing “the real economy”

Klarna is raising $640 million on a $45 billion private valuation, with over $1 billion in net operating income. The buy-now-pay-later company has over 90 million active customers and 250,000 merchants. It was founded in Sweden in 2005.

On the other side of the ocean, Chinese ecommerce company Pinduoduo is beating Alibaba with 820 million active buyers, generates over $3 billion in revenue per quarter, connects buyers to 12 million farmers, and has a market capitalization of $150 billion. It was founded in China in 2015.

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music industryNFTs and digital objectspaytechphilosophySocial / Community
·Mar. 8, 2021

Why Square bought Jay Z’s music service Tidal for $300MM, and how the NFT-driven transformation of music royalties and ownership can explain this future

This week, we look at:

  • Square acquiring Tidal and its 1-2 million of subscribers for $297 million, and the logic for what a payment processors has in common with the creative industry

  • How celebrities and creators like Mark Cuban, Gary Vaynerchuk, Grimes, 3LAU and others are generating millions in NFT sales

  • The impact on the economic model of the music industry, including a look at royalty structures, revenue pools, and financial vehicles when tokenized

  • The philosophical divide growing between a feudal platformed commons (e.g., YouTube) and a collectivist anarchist capitalism

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big techdigital lendingdigital transformationInvestingmega banksOpen Bankingpaytechroboadvisorsuper app
·Nov. 23, 2020

Google has come to Banking. What does that mean, and what should we do about it?

Google has done it. In a massive update to Google Pay, the company highlighted exactly the direction of travel for high tech, fintech, and the global banks. It has articulated a vision for competing with Apple Pay and Ant Financial. Let's walk through the features.

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