Operating at the Intersection of Technology and the Capital Markets
Tag: PayPal
Pinterest (PINS) has a problem: Google (GOOGL) is better at idea generation. A search conducted on Google's main page, on Google Images or on YouTube yields better results (my opinion) than does Pinterest. In addition, Google does not require that I set-up an account to perform those basic search functions. Google will always have better … Continue reading Pinterest Has A Problem: Google
SSNC shares are flat from August 2018 to August 2022. By year-end 2022, SS&C will have grown Adjusted EBITDA by more than 60% from year-end 2018 - no small feat (table below) - yet SSNC shares do not reflect this achievement. S&P Global (ticker: SPGI), FIS Inc. (ticker: FIS) and Fiserv (ticker: FISV), will need … Continue reading Now May Be The Time for SSNC To Sell Itself
Google finally combined its Google Wallet and G-Pay apps within the U.S. with Wallet as the surviving app. Google Wallet digests G-Pay. Wallet is the surviving app and enables users to retain G-Pay's NFC payments (cardless payments), capability. In addition, Wallet enables users to include other cardless transaction types such as loyalty cards, gift cards, … Continue reading Google Is Getting Its Payments Act Together
Google's customer-facing payments execution is confusing. One must drill down to understand the difference between Google Pay, G Pay and Google Wallet. Further, Google's strategy for each of its FinTech apps differs by geography. Google's confusing positioning is surprising to us given that we have the utmost respect for Bill Ready who leads Google's Payments … Continue reading Google Pay, G Pay, Google Wallet, Oh My!
Manual trading errors such as the one described in the Bloomberg article referenced HERE can essentially be eliminated by implementing business rules within the Trade Order Management System ("TOMS") / Execution Management System ("EMS"), that a given bank has installed (years ago TOMS and EMS were separate systems but today typically are a single system). … Continue reading Citigroup’s Trade Error To Cost Bank More Than $50 Million
Corporate customers ought to think about diversifying beyond AWS, Azure and Google Cloud for cloud storage and embedded capabilities such as AI/ML/NLP and more. Sure, there is Oracle, Alibaba and others. Yet it would seem now may be the time for Industry-focused players to offer cloud services alternatives. Tickers mentioned: AMZN, BABA, FIS, GOOG, MSFT, … Continue reading AWS, Azure & Google Cloud Alternatives
Technology platform companies include more than Alphabet, Amazon, Apple, Facebook and Microsoft. We contemplate a few FinTech platform companies below. PayPal (ticker: PYPL): A "Payments" platform company that re-invented itself by acquiring another payments company - Venmo - that was built on top of another platform company - Facebook. The architect that drove PYPL's strategy … Continue reading Technology Platform Companies Include More Than The Usual Suspects
What could a PayPal, Interactive Brokers transaction look like? With inflated valuations all-stock deals have become more popular. A traditional, all stock acquisition of Interactive Brokers by PayPal (tkr: PYPL), certainly could happen. However, our preference would be for a "NewCo" structure whereby PayPal would own the NewCo business, or at least own a majority … Continue reading A PayPal, Interactive Brokers Transaction
Should PayPal (tkr: PYPL), want to have a retail trading product, Interactive Brokers (tkr: IBKR), is the answer. IBKR is the one retail trading platform that puts technology and user security first. In our view a "technology first" trading platform that emphasizes cybersecurity should be table stakes today but unfortunately is not so among trading … Continue reading Interactive Brokers Is The Answer To PayPal’s Retail Riddle
The Federal Reserve's forthcoming digital U.S. Dollar, also known as a Central Bank Digital Currency ("CBDC") will position the Federal Reserve as one of the world's largest FinTech companies. It also means less privacy for consumers and more competition for traditional banks and fintech companies. Central Bank Digital Currencies such as China's digital Yuan and … Continue reading The Federal Reserve Is A FinTech Company In The Making
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