Nov 3, 2021BNPL Buy now, pay laterhow an old payment scheme is disrupting the payment industry — If you are in fintech or payment, you must have heard of buy now, pay later (BNPL). It’s one of the 2 of the hottest fintech topics in 2020, the other being DeFi. This year, there is no shortage of news with Goldman acquired Greensky, Square acquired Afterpay, and array…Fintech9 min readFintech9 min read
Feb 10, 2021Payoneer 派安盈 第二部：在中国如何建立护城河这是Payoneer中国的第2部。我们会着重探索Payoneer在中国建立护城河的一些方法。第一部在这里 关键要点： 1. 使用以下护城河作为框架来发现和分析Payoneer China的竞争优势。应用的护城河有：（i）无形资产（ii）网络效应（iii）成本优势（iv）高转换成本。 2. 对于无形资产，考虑不同级别的奖励积分和福利。网络效应，可以利用Payo …金融科技9 min read金融科技9 min read
Feb 9, 2021派安盈 Payoneer 如何维护在中国的成功？Payoneer 盈安派 绝对是一家非常值得敬佩的金融科技公司，因为在中国的激烈竞争环境中，巨人（Ebay, Amazon，Visa, Mastercard, Paypal）都倒下或并没有太好成绩下，他成功的打入了这个市场。但是在面临新来竞争的挑战，他该如何维持他的成功呢？ 关键要点： 身为少有成功进入中国的金融科技公司Payoneer面临着来自新来者的 …金融科技10 min read金融科技10 min read
Jan 3, 2021The Misaligned Opportunity in Payment“The shiny new tech in payments tends to be in the retail space, but the opportunities are actually behind the scenes in the B2B space.” Key Takeaway Retail payment technology is most talked about as it’s most visible. However retail payment has the least opportunity The most opportunity is behind the scenes…Payments11 min readPayments11 min read
Dec 16, 2020Payoneer Part 2: How Payoneer Can Build Moats in China?Part 2 of Payoneer China. Explore some of the ways Payoneer can build moats in China. Part 1 is here Key takeaways: Use the following moats as a framework to find and analyze competitive advantage for Payoneer China. The moats applied are : (i) Intangible Assets (ii) Network Effects (iii)…Fintech9 min readFintech9 min read
Dec 7, 2020Payoneer part 1: How to Sustain Success in ChinaPayoneer is a fintech with rare China entry success. It is facing challenges as new disruptors are offering faster and cheaper services. How can Payoneer sustain its success in the super competitive China market? Key takeaways: Payoneer, a fintech wiht rare successful China entry is facing challenges from new comers. …Fintech9 min readFintech9 min read
Nov 27, 2020How cross border payment companies can enter Chinatemplate for how cross border payment companies can enter the tough, but lucrative China market. key takeaway: China is a very tough market to enter for cross border payments companies, but for those who can crack the puzzle, it can also be very lucrative Before jumping in, one should have…Fintech7 min readFintech7 min read
Nov 25, 2020International payment part 2: pain points and solutionslook into the pain points in international payments and solutions both at application and infrastructure level. Key takeaways Pain points in international payments are: 1. cost, 2. speed, 3. no transparency, 4. ease of access. Root cause is lack of international payment rail. A number of fintech start-ups have sprung…International Payments7 min readInternational Payments7 min read
Nov 23, 2020Wholesale banking? Transaction banking? How they are related to cross-border paymentsWhat is wholesale banking? What is transaction banking? How are wholesale banking and transaction banking related to cross-border payments. Intro I am passionate about cross-border payments. As a fintech nerd and working on international trade with SMEs, I know that cross-border payments is a space that we will soon see disruption…Transaction Banking3 min readTransaction Banking3 min read
Nov 22, 2020Cross-border payments part 1: how foreign exchange (FX) works: clearing and settlementsExplains how FX works, how FX settles, and root cause of the pain points in cross-border payments Key takeaway: Start with simple concept what is foreign exchange (FX), then introduce different parts of FX, and we will see how it all comes together to explain the pain points in cross-border…Foreign Exchange6 min readForeign Exchange6 min read
