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Frank Tian
Jun 13, 20232 min read
Updated Guideline for BaaS
On June 6th, The Fed, OCC, and FDIC jointly released an updated guideline for banks’ third party risk management. This has been highly...
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Frank Tian
Jun 7, 20231 min read
Old Bank/Card Model Still On Fire
The Economist recently published a piece to highlight the resilience of credit cards in developed economies. In the US, the credit card...
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Frank Tian
Jun 1, 20232 min read
All Roads Lead to the Bank?
While some banks are collapsing, other aspiring institutions are eager to become banks. Why? When the 2008 Great Financial Crisis hit,...
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Frank Tian
Feb 26, 20232 min read
Card Players Jockey for Position
💳 With credit card balances surging back, lenders continue to jockey for positions in the competitive field. 🏇 📌 Wells Fargo launches...
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Frank Tian
Jan 9, 20231 min read
🔎 BaaS Partnership in Regulatory Focus
Last week, Blue Ridge Bank named a new president for its fintech division. It makes perfect sense to bring in someone with direct BaaS...
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Frank Tian
Jan 3, 20231 min read
Tech Back to Earth
The low-hanging fruits of tech adoption were picked. People went to cloud nine to look for exotic breeds, but the produce cannot be too...
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Frank Tian
Jan 1, 20232 min read
9 Things to Watch in Consumer Credit.
1. Will the central bank succeed in taming high inflation with a soft landing? The ideal scenario for businesses and consumers: the...
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Frank Tian
Dec 7, 20221 min read
🏦 Chase pilots a pay-by-bank product
Even it competes with its own credit card. An ACH payment based on open banking Reduces risk of stored banking account info. Chase sees...
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Frank Tian
Nov 19, 20222 min read
💰 Large Banks, Small Dollar Loans
Wells Fargo is the latest major bank offering small dollar loans. The loans are for $250 or $500 with a flat fee of $12 or $20. The other...
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Frank Tian
Nov 10, 20221 min read
⛑️ The Pricing Lifeline for Fintechs
⛑️ In the challenging environment BCG throws out a lifeline for Fintechs 👉 Pricing Optimization Pricing is an important tool to keep up...
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Frank Tian
Nov 8, 20221 min read
🎤 Money 20/20 conference
🎤 If you don’t have $5K + 4 days for the Money 20/20 conference, you can always come to LinkedIn. Several content creators are kind...
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Frank Tian
Sep 23, 20222 min read
Chase Sees the Death of Card?
Financial Times revealed the internal dynamics at JPMorgan Chase - around its pay-by-bank project. Interesting to see fast payment and...
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Frank Tian
Sep 19, 20222 min read
Embedded Finance - How Big?
How big is the opportunity? Bain recently provided an estimate. From 2021 to 2026, the revenue growth opportunity in the US: $29 billion....
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Frank Tian
Sep 7, 20224 min read
🏦 Thoughts on BaaS Risk Management
It is no coincidence that several connections reached out in the last few weeks to ask about embedded finance and Banking-as-a-Service...
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Frank Tian
Aug 20, 20221 min read
Card Networks Work Hard
With their sheer size, credit card has always been a target. Look at recent headlines: 👇 Affirm: Americans trust their ex more than...
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Frank Tian
Aug 12, 20221 min read
How Fintechs are Responding to Downward Valuations
Facing downward valuation in both public and private markets, how have Fintechs responded? Besides cost reduction via layoffs, there are...
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Frank Tian
Aug 10, 20221 min read
🕸️ Open Banking Update in Summer
While open banking rule-making is progressing slowly in the US and Canada, the market continues to develop on its own throughout the...
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Frank Tian
Jul 3, 20221 min read
Banks Up Hiring Stakes
While tech companies have to scale back under the pressure in both public and private markets, traditional banks beef up their efforts to...
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Frank Tian
Jul 1, 20221 min read
Brex Ending SMB Relationship
Grow Out of The Relationship Brex, a 5-year-old fintech specializing in corporate credit cards for startups, is parting ways with the key...
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Frank Tian
May 26, 20222 min read
BNPL impact on FICO (2)
My last post on BNPL’s impact on FICO drew strong interest from the community. Why do the two recent studies show conflicting results? I...
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