Fintech Wrap Up

Fintech Wrap Up

Deep Dive

Deep Dive: The hidden liability of agentic commerce
In the last decade, we have watched the global financial system transition from physical cards to digital wallets and from manual bank wires to…
 • Sam Boboev
Deep Dive: Agentic AI in Financial Crime Fighting
The global financial system is facing a structural crisis.
 • Sam Boboev
Deep Dive: Mastercard Verifiable Intent vs Visa Trusted Agent Protocol
Agentic commerce breaks a core assumption of online payments, that a human is directly clicking “buy” on a trusted surface.
 • Sam Boboev
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
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