SaaStr

NOVEMBER 28, 2024

5 Interesting Learnings from ServiceTitan at $700,000,000 in ARR And a few other learnings we have now from those that have IPO’d in vertical SaaS or are near: Adding a payments and fintech layer can really help. At two different price points. Toast and Shopify and Bill are really more payments companies today than SaaS companies.

Payment Solutions 265

Payment Solutions Inbound Sales Team Marketing Scale 265

SaaStr

JANUARY 17, 2025

And yes, Shoptalk for e-commerce and SaaStr for SaaS, Money 20/20 for fintech, etc. If they are smaller events, even better. But in general, they go to the biggest ones. They go to Reinvent and Dreamforce. Not everyone goes. But a critical mass goes to the biggest in the industry. Our data shows it.

Scale 300

Scale Marketing Travel B2B 300

SaaStr

MARCH 8, 2025

From Parabus to Ramp: The Power of Asymmetric Bets When Karim Atiyah, CTO and co-founder of Ramp, first arrived in the United States from Lebanon in 2007, he couldn’t have predicted he’d build not one but two successful startups in the fintech space.

CTO Hire 217

CTO Hire CTO Coach Scale CTO 217

USIO

APRIL 15, 2025

Compete with neobanks and fintechs by offering fast money movement. SaaS Platforms: Enable Instant Payouts Use Case: SaaS platforms in gig economy, marketplaces, or fintech. Payment Processors and Fintechs: Reduce Friction Use FedNow to: Offer instant settlements to merchants. Improve cash flow visibility.

Payments 130

Payments Payment Services Merchant Services SaaS Payments 130

Andreessen Horowitz

AUGUST 26, 2021

This first appeared in the monthly a16z fintech newsletter. Subscribe to stay on top of the latest fintech news. Every Company Will Spin Out a Fintech Company. TABLE OF CONTENTS.

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Andreessen Horowitz

AUGUST 4, 2020

Now new fintech infrastructure companies have made it possible for SaaS businesses to add financial services alongside their core software product. By adding … The post Fintech Scales Vertical SaaS appeared first on Andreessen Horowitz.

Scaling 145

Scaling SaaS Cloud Subscription 145

Andreessen Horowitz

APRIL 13, 2021

The Brazilian fintech company Nubank is now the largest neobank in the world, with 33 million customers and a $25 billion valuation. That valuation is already half that of Itau’s market cap , the largest public bank in Brazil, … The post Latin America’s Fintech Boom appeared first on Andreessen Horowitz.

Banking 144

Banking Marketing Innovation Mobile 144

Andreessen Horowitz

DECEMBER 17, 2020

For our last edition of the year, the a16z fintech team weighs in on the big ideas they think fintech will take on in 2021. The … The post The Big Ideas Fintech Will Tackle in 2021 appeared first on Andreessen Horowitz. Check out our big ideas from last year here. Disintermediating the banking system.

Banking 145

Banking Innovation 145

Andreessen Horowitz

APRIL 20, 2021

… The post El Boom Fintech en América Latina appeared first on Andreessen Horowitz. La empresa brasileña de tecnología financiera, Nubank, es ahora el neobanco más grande del mundo, con 33 millones de clientes y una valoración de 25 billones de dólares.

Innovation 145

Innovation Mobile 145

Andreessen Horowitz

NOVEMBER 19, 2021

We are in the early days of consumer fintech — today, only 15% of Americans bank exclusively through fintechs, and Wall Street real estate remains dominated by legacy players. But that is poised to change, and we are seeing the … The post The Rise Of Many in Consumer Fintech appeared first on Andreessen Horowitz.

Banking 137

Banking 137

Andreessen Horowitz

DECEMBER 20, 2021

This first appeared in the monthly a16z fintech newsletter. Subscribe to stay on top of the latest fintech news.

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Andreessen Horowitz

JUNE 1, 2022

Both exhibit opportunities at the data and infrastructure … The post Payvidors, Unbundled: Opportunities in Healthcare Fintech appeared first on Andreessen Horowitz. Both are massive, regulated markets with technological adoption challenges, legacy oligopolies, and tons of customer pain – and even fear!

Healthcare 145

Healthcare Technology Data Marketing 145

Andreessen Horowitz

OCTOBER 18, 2022

Over the past decade, the government has introduced regulatory changes … The post Brazil’s Surprising Fintech Tailwind appeared first on Andreessen Horowitz. When most people think of Brazil, the country’s golden beaches, world-class soccer players, and famous Carnaval festival spring to mind.

Government 135

Government 135

Intercom, Inc.

AUGUST 1, 2019

. “Michael is the rare CFO who also leads up marketing, which makes him the perfect person to talk us through the company’s trajectory” As the head of Intercom’s Early Stage program for Startups, the fast-growing fintech startup is one company I’ve been keeping my eye on. Short on time? Tara: We’ll be watching.

Strategy 36

Strategy Payment Methods Payment Services Startup 36

Andreessen Horowitz

SEPTEMBER 7, 2022

Over the past several years, the field of fintech infrastructure has exploded with venture capital investment and entrepreneurial attention.

Venture Capital 145

Venture Capital Banking Investment 145

USIO

APRIL 4, 2025

With Usio HIPAA-compliant, PCI Level 1 certified fintech payment solutions, youre not just embedding payment functionalityyoure enhancing the entire healthcare payment ecosystem. Why Medical Billing Software Companies Partner with Usio At Usio, we dont just build fintech payment solutions.

Payments 130

Payments Payment Solutions Payment Services Payment Methods 130

Andreessen Horowitz

NOVEMBER 19, 2020

This first appeared in the monthly a16z fintech newsletter. Subscribe to stay on top of the latest fintech news. . Fintech pursues vertical banking. Bank of America got … The post New retailer payment methods; Vertical banking; Fintech x government; QR codes’ big moment?

Payment Methods 144

Payment Methods Banking Government 144

SaaStr

NOVEMBER 13, 2021

So how many of them are like us — SaaS, Cloud software, or fintech that is SaaS-y? A lot of the Decacorns and top Unicorns are fintech related, and you might not even call them SaaS/Cloud software: And there are quite a few just below $10B, from Klaviyo and ServiceTitan at $9.5B I count about 337 Unicorns and 15 Decacorns ; and.

Cloud 328

Cloud B2C Healthcare SaaS 328

SaaStr

JUNE 6, 2022

What we’ve actually seen is a sea change in the way that banks think about FinTech and technology in general. They’re starting to say, ‘FinTech is my innovation lab,’” says Perret. . Banks now see the value of Plaid (and Fintech overall) and leverage it to grow their businesses. .

Banking 291

Banking Scale Acquisition Engineering 291

SaaStr

DECEMBER 13, 2023

So if you are outside of fintech and banking, you may not have heard of nCino. International Customers Are Key to Grow at Scale SaaS in regulated industries and fintech is often slower to go international than pure B2B SaaS which is simple to “grab and go” across international lines.

Scale 349

Scale Banking Acquisition Cloud 349

SaaStr

SEPTEMBER 30, 2022

Let’s all be clear, 2021 was insane: * SPACs worth billions with no revenue * Multiples magically tripled * Fintechs with 10% GMs worth same as 80% GMs * #5 in market got same premium as #1 * Growth stage seen as free money * Seed VCs bought in $3B-10B rounds vs sell. — Jason Happy Lemkin (@jasonlk) September 28, 2022. No one cared.

Venture Capital 331

Venture Capital Acquisition Innovation Cloud 331

Andreessen Horowitz

JANUARY 21, 2021

This first appeared in the monthly a16z fintech newsletter. Subscribe to stay on top of the latest fintech news. . Fintech cozies up to the creator economy.

Education 135

Education 135

Andreessen Horowitz

SEPTEMBER 21, 2023

To do this, it played to its structural strengths: The UK was an early adopter of fintech infrastructure. And UK institutions continue to invest: This summer, Mastercard, Barclays and the London Stock Exchange Group announced a £1 billion fintech fund to back British growth-stage fintech companies.

Merchant Services 118

Merchant Services Payment Solutions Payment Services Payment Methods 118

SaaStr

AUGUST 17, 2021

Slowly becoming a fintech. Coupa isn’t as much a fintech as SMB players like Bill.com, but it’s getting there with Coupa Pay. And ARR per deal has gone up every quarter. Coupa shows you can do both even in a complex offering, and has driven up ACVs in the mid-market in particular.

Payments 325

Payments SaaS Payments SMB Payment Solutions 325

SaaStr

OCTOBER 22, 2021

But Expensify, like Bill.com, was also early to the world of the fintech side of expense management. But both $25B+ Bill.com and now Expensify became fintechs, adding credit cards and much more. Fintech is the engine of growth at scale. And Bill even acquired Divvy for $2B.

Scale 329

Scale SaaS Payments SMB Payment Solutions 329

Andreessen Horowitz

MAY 18, 2023

Imagine you are the founder of a fintech company that’s identified a massive broken market. That … The post Bat Out of Hell: Identifying Your Durable Advantage in Fintech appeared first on Andreessen Horowitz.

Acquisition 124

Acquisition Marketing 124

SaaStr

SEPTEMBER 9, 2021

You can’t always rush a fintech product. The payments / fintech side of Bill took a decade to come together. But they couldn’t rush it. So they let folks use the platform the way they wanted, from paper checks to fax and more. #2. It was much more than adding an API, especially at scale.

SaaS Payments 64

SaaS Payments Payments Payment Services Scale 64

SaaStr

MAY 9, 2024

Our focus is on enterprise software and commerce infrastructure such as fintech, and logistics. As an early team member, Andrew has been part of scaling Activant alongside its portfolio companies and established the firm’s fintech focus. What’s your sweet spot for investing — check size, stage, type of deal?

Scale 276

Scale Headcount Travel B2B 276

SaaStr

NOVEMBER 3, 2023

Compared to another leading tech event 2 weeks later, it was night and day in favor of SaaStr Annual” Public Fintech: “Our team buzzed about the event and the people they were able to meet in a short amount of time. ” Public Fintech #2: “Our sales team walked away with over 100 qualified leads.

Scale 279

Scale Payments Payment Services Payment Solutions 279

SaaStr

APRIL 12, 2022

Going global is tougher in payments and fintech. Going international takes a lot of work in many fintech SaaS. Sellers using four or more products generated more than 10x the gross profit on average in 2021, compared to sellers only using one of Square’s products. #3. Only 9% of Square’s revenue is international, but going up.

Payments 307

Payments SaaS Payments Payment Services Revenue 307

Tom Tunguz

JANUARY 28, 2024

Fintech & SaaS (horizontal) average ten percentage points fewer expected growth. The fastest growing software category in the public markets is security. Data follows. Security companies as a group average 29% expected revenue growth in 2024, compared to 23% for Data (or DaaS which stands for data-as-a-service).

Software Review 321

Software Review Software Finance Acquisition 321

SaaStr

APRIL 29, 2021

Now clearly a fintech with a layer of software underneath. If you can add a fintech layer to your SaaS product, magic can happen. In 2021 Shopify’s payments and merchant services have pulled even further ahead of its software revenue.

Merchant Services 316

Merchant Services Payment Methods SaaS Payments Payments 316

SaaStr

JULY 18, 2021

5 “The Non-Obvious things about the Future of Fintech with Plaid’s COO” Plaid’s COO joined SaaStr to talk about the future of fintech. #6 #4 “Why Zoom’s Founder Went Solo & How Being an Engineer Helps You be a Better CEO” A short look back on why Eric went solo. #5 I loved it.

Scale 291

Scale Finance Market Segmentation Enterprise 291

SaaStr

JULY 20, 2021

The Non-Obvious things about the Future of Fintech with Plaid’s COO. Fintech founders are experts on their business and target audience, but they generally don’t know nearly as much about banking especially when it comes to compliance, fraud, and risk. Eric Sager, COO @ Plaid & Kate Rooney, Technology Reporter, CNBC.

Payments 280

Payments Payment Services SaaS Payments Banking 280

SaaStr

SEPTEMBER 9, 2022

Everything just diverged from economics that really made sense: Fintech companies and pseudo SaaS companies with low gross margins stiill had to pay the same or similar commissions as high margin SaaS companies to stay competitive. This wrecks the unit economics.

Scale 345

Scale Venture Capital Sales Hiring Sales 345

Andreessen Horowitz

MAY 31, 2023

TABLE OF CONTENTS Generative AI is Coming for Insurance Because underwriting, selling, and servicing rely so heavily on humans processing large quantities of written or verbal communication, existing tools have struggled to properly automate these services and materially impact loss … The post Generative AI is Coming for Insurance (May 2023 Fintech (..)

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Generative AI AI Communication 122

Andreessen Horowitz

AUGUST 29, 2023

Bancorp, and 15 service … The post What’s Next for FedNow (August 2023 Fintech Newsletter) appeared first on Andreessen Horowitz. After four years of development (and 10 years since its announcement), the Fed launched FedNow this past July with 41 banks, including JPMorgan Chase, BNY Mellon, and U.S.

Banking 112

Banking Development 112