We’re experiencing a transformational moment in payments. In a nod to Michael Porter’s “Five Forces” (and as an ex-consultant, who clearly can’t shake his past), I’ve broken this market disruption within payments into five opportunity areas.

‘New’ alt assets are having their moment. We have more investors, interested in more types of assets, and we’re finally getting the technological revolution required to enable this.

With regulatory tailwinds, technology advances, and growing consumer interest in being in control of one’s own data, there’s been an explosion of solutions that open up, connect and enrich previously disparate data sources.

The category-leading finance ‘as-a-service’ providers reshaping the industry are so much more than a pick or a shovel. If infrastructure is the future of fintech, what do we believe makes a great infrastructure business…?

Despite an explosion of interest in these new platforms, all too often the narrative is muddled. This is my attempt to unpick some of the complexity.