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Network Effects in Fintech
Can they provide an enduring competitive advantage to consumer fintech companies?
 • 
Aika Ussenova
4
September 2021
Fintech in LatAm: Banking the Unbanked
Nubank, Ualá and others building path to LatAm customer
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Aika Ussenova
May 2021
March 2021
Understanding Klarna
Plus: How customers use CashApp and Kaspi.kz financial results
 • 
Aika Ussenova
February 2021
January 2021
December 2020
Holiday issue: Stored value cards and TfL Oysters
We leave ££ millions on unused store cards, gift cards, bank accounts and Oyster cards
 • 
Aika Ussenova
1
Banking on Young People: gohenry, Current, Step, Greenlight
Banking apps for young people collectively raised over $350 million in recent months. I am looking at their strategies.
 • 
Aika Ussenova
Why Be a Bank?
There are two types of digital banks: bottom-up and top-down.
 • 
Aika Ussenova
November 2020
TransferWise and its Many Pivots
TransferWise proved that fintechs can be profitable. Along the way it didn’t shy away from pivoting. I think its transitioning from B2C to B2B and it…
 • 
Aika Ussenova
1
Stripe Should Be a Bank
Stripe is building the internet infrastructure. Paul Graham thinks it's the next Google. Should it become a bank?
 • 
Aika Ussenova
3
Kaspi.kz - What’s Next for the Most Important Company in Kazakhstan
A profile on Kaspi.kz - a bank turned technology company that IPO’d in London last month raising over $1 billion and becoming the largest listing out of…
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Aika Ussenova
11
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