Are multiple processors the case of “more the merrier”? In Web2 payments, multi processor is a business working with multiple payment providers. For example, using Adyen, Stripe, Worldpay together. The strategy has its pros and cons explained further ain this post. This post discusses the similar multi processor trend (“the more the merrier”) unfolding in the fiat to crypto…

What’s a fiat to crypto on/off ramp? When I first heard the term “on ramp”, it seemed to mean different things to people. I’ll define it as: On ramp is the conversion of fiat into crypto. For example, using what you have in your bank account to purchase crypto. Off ramp is the opposite. To convert the…

Last year, a B2B startup asked me this interesting and hard question — which verticals should we go after? My summarized answer is — it depends on company growth stage and product maturity, and for younger companies it might make sense to focus on company segments (e.g., …

What comes to mind when you think of rules? It could be a school prefect “booking” you for breaking a school rule, or a teacher explaining classroom rules at the start of a daily lesson. Rules might make us shudder. However, when individuals come together to form something (villages, cooperatives…

I’ve written about how people are afraid of hearing a NO — the door definitively shutting on a deal (“No seems to be hardest word”), and discussed that the costs of “Maybe” are (a) wasting time and (b) missing goals. Recently I’ve pondered another cost of a “Maybe”, which is…

It probably is! This post is about bringing a healthy dose of skepticism into the euphoria of fin tech sales and product assertions (though it could apply to any sales pitch). What sounds too good to be true (to me 😏) 100% payment success rate No KYC / minimal KYC needed Strong in regulated markets, but no licenses — services…

…was not a tech company. I’ve been pondering a discussion from a few years ago, where a former colleague and I were discussing the “omni-channel” pitch. Her sharp insight was that the first omni channel payments platform was a bank. …

The choice to adopt a new, more efficient technological system is not always a given. From an engineering perspective, system efficiency is its own justifications, and engineers are often perplexed when more efficient technologies are not universally adopted. When we take a historical perspective however, we can see that increased…

A seller/salesperson reading this post about Sales Splits might not find it particularly insightful — it is the water one swims in daily, as natural as breathing air. But, I thought writing about sales split might be helpful for those not in sales and wondering — what is a sales…