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Should Fintechs get bank charters?
The obstacles are scale and compliance
Jul 28
•
Andrew M. Dresner
2
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Should Fintechs get bank charters?
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Is JPM’s data fee fair or unfair?
Seems fair, if fees stay modest
Jul 21
•
Andrew M. Dresner
4
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Is JPM’s data fee fair or unfair?
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Should Fintechs buy other Fintechs?
Xero buying Melio is good test case
Jul 14
•
Andrew M. Dresner
4
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Should Fintechs buy other Fintechs?
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4
The great Stablecoin land rush
The GENIUS Act may determine the winners
Jul 7
•
Andrew M. Dresner
8
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The great Stablecoin land rush
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June 2025
Stablecoins can work for cross-border
Compliance may be the challenge
Jun 30
•
Andrew M. Dresner
8
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Stablecoins can work for cross-border
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How should Fintechs add payments?
A broad formula can be applied
Jun 23
•
Andrew M. Dresner
5
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How should Fintechs add payments?
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Are Stablecoins useful domestically?
It’s not obvious that they are ... yet
Jun 16
•
Andrew M. Dresner
12
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Are Stablecoins useful domestically?
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Can ISVs conquer global acquiring?
Not likely given lower margins in enterprise and global
Jun 9
•
Andrew M. Dresner
9
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Can ISVs conquer global acquiring?
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Chime vs. Cash App: Who has the better hand?
Cash App: DDA primacy isn’t that good a cross-sell platform
Jun 2
•
Andrew M. Dresner
5
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Chime vs. Cash App: Who has the better hand?
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May 2025
Agentic Commerce and the networks
Agents open the door to A2A
May 26
•
Andrew M. Dresner
7
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Agentic Commerce and the networks
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Chime S-1: Still not the future of banking
Sheltering behind the Durbin moat limits opportunity
May 19
•
Andrew M. Dresner
6
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Chime S-1: Still not the future of banking
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Is “the long run” getting shorter?
Payments innovation adoption is only faster in rare circumstances
May 12
•
Andrew M. Dresner
4
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Is “the long run” getting shorter?
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