Fintech Wrap Up

Fintech Wrap Up

Deep Dive

Deep Dive: How Fintech Block Is Replacing Processes and People with Agents
Block just made the cleanest public claim so far that “AI gains” can justify a headcount reset at scale.
 • Sam Boboev
Deep Dive: Why Fintechs and Crypto Companies Want US Bank Charters
I treat “getting a charter” as buying a different physics model for your business.
 • Sam Boboev
Deep Dive: How Zelle Scaled to $1.2 Trillion by Embedding Into Banking
The Zelle network owned by Early Warning Services handled over $1.2 trillion in 2025 (20% growth) on roughly 4.2 billion transactions, far outpacing the…
 • Sam Boboev
Deep Dive: JPMorgan’s Payments Strategy and Systems-Level Integration Analysis
I’ve been following JPMorgan’s methodical buildout of a payments empire.
 • Sam Boboev
Deep Dive: Citi’s Strategy to Dominate Institutional Payments
Citi’s core payments thesis is blunt: own and integrate the entire payments value chain globally to stay on top.
 • Sam Boboev
Deep Dive: Global Payments' Merchant Solutions Strategy
Global Payments’ merchant solutions business is built on a three-pronged product architecture designed to serve merchants of all sizes and verticals.
 • Sam Boboev
Deep Dive: Unwrapping FIS’s Technology Stack and Architecture
FIS is building a banking platform that treats the bank like a set of interoperable services, not a monolithic core.
 • Sam Boboev
Deep Dive: Breaking Down Shopify and Google’s Universal Commerce Protocol
Commerce is messy and complex.
 • Sam Boboev
Deep Dive: Inside Circle’s Payments Network
It’s 2026, but we still use bank wires that hop through multiple intermediaries, take days, and charge a toll in fees to move money across borders.
 • Sam Boboev
Deep Dive: Mastercard’s Value-Added Services & Solutions
In recent years, Mastercard’s Value-Added Services & Solutions (VAS) segment has emerged as a key growth engine for the company.
 • Sam Boboev
Deep Dive: How Bank of America Built a $40B Consumer Banking Machine
Bank of America’s consumer banking division is a massive, integrated machine that produces over $41 billion in annual revenue and $10.8 billion in net…
 • Sam Boboev
Deep Dive: UK Money Licenses - Payment, E-Money, Banking, MSB, and AR Models
The UK fintech and payments ecosystem runs on a mosaic of license types.
 • Sam Boboev
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