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What’s Behind the Rise of “Challenger Banks”?

Introduction This Monday, Visa announced a plan to buy fintech startup Plaid at a valuation of $5.3 billion. For a company that, in essence, builds intermediary APIs as a platform for

The State of Digital Banking

The biggest banks in the world exist for tens and hundreds of years. They were started well before “software took over the world”. They specialize in banking, and not

Build a Bank: Monzo with Richard Dingwall

When you interact with your bank, it probably feels different than when you interact with a software technology company. That’s because the biggest banks in the world were started