Archive - Fintech: Under the Hood 🔍

Fintech: Under the Hood hits 5k! 🎉

Some reflections, a thank you, and a few of your (and my) all-time favourite reads.

Jul 25 •

Under the Hood🛠 - How SEPA Request to Pay works

A deep dive on a new layer that leads the way for Programmable Payments, the three big use cases, and how it works under the hood.

Jul 11 •

June 2025

The Regulations That Shaped Fintech

A deep look at the historic data, fraud and banking regulations that shaped fintech's past & present, and a detailed look at the recent regulations that…

Jun 27 •

Agentic Commerce Is Here. Agentic Finance Is Next.

Why Agentic Commerce won't kill the checkout page, how agents work, what the Agentic Commerce stack will look like, and looking ahead to Agentic Finance

Jun 13 •

May 2025

Checkout.com: Closing the Payments Acceptance Gap

A deep dive into Checkout.com's origins, timeline, current product stack, their recent releases, analysis of their mission statement, and what I think…

May 30 •

Introducing Fintech: Under the Hood (formally Fintech R&R)

Official rebrand of Fintech R&R

May 23 •

From Bits to Gold: The Alchemy of Data in Financial Services

A comprehensive data deep dive, the value of a clear data refinement process in all Financial Services companies, the challenges, and what the future of…

May 15 •

April 2025

Gearing up for a Payments Revvv-olution 🏎

A deep look into In-car Payment Systems (ICPSs), the size of the mobility payments markets, the companies already innovating in the space, and what the…

Apr 25 •

Stripe: More than a PayFac [From the Archive]

A walkthrough of Stripe’s evolution, their early competitors, the Jobs that they solve for customers, an overview of their new products and the metrics…

Apr 11 •

March 2025

Marqeta: The Future of Self-Service Fintech Innovation? 🔮

The power and value of Issuer-Processors to innovation and why they, along with trained models and MCP, are the key to the future of Self-Service…

Mar 27 •

Under the Hood🛠 - How GooglePay works

A deep dive into how Google Pay works, the value of Tokens in Financial Services, and why 'Tokenized everything' will be the new normal in FS

Mar 7 •

February 2025

Zing...and they're gone ⚡️💨

The timeline of events, why HSBCs international payments project was a step in the right direction, the lessons they can learn, and some myths debunked

Feb 21 •

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