Donny Hoye

10-Q, Member Exclusive

The slow death of interchange as a standalone growth engine

• Interchange has long served as the go-to, dependable revenue source for payments-first fintechs.
• Today, interchange alone can’t drive sustainable economics; lasting profit comes from recurring relationships, services, and value-added tools.

Banking, Member Exclusive

Why fintechs are transitioning from partners to principals in banking

• The wave of charter filings in the first quarter of 2026 underscores shifts in fintech business and regulatory dynamics.
• Direct supervision by banking regulators is demanding, but fintechs increasingly see it as offering greater operational certainty than fragmented licensing and partner oversight.

10-Q, Member Exclusive

Why Payoneer wants fewer – but much larger – customers

• Payoneer’s leadership is prioritizing sustainable profitability over the industry’s old growth-at-any-cost mindset.
• Fintech is entering its next phase – moving beyond the early race for sign-ups toward a model built on SaaS-like unit economics and deeper customer monetization.

BNPL, Member Exclusive, Modern Marketing

How Zip turned the most pressing BNPL challenge into a brand advantage

• Financial services brands usually treat trust as a given, building campaigns around authority, scale, or convenience. Zip’s latest campaign takes a different route: it makes ‘trust’ the story.
• In a sector long clouded by skepticism and regulatory scrutiny, Zip is confronting one of fintech’s toughest questions by placing the BNPL trust debate at the heart of its brand.

Partner, Payments, Podcasts

How Modern Treasury is building a payments platform for a hybrid money world

• Modern Treasury recently launched an integrated payments platform blending fiat & stablecoins.
• Tune in to find out how stablecoins complement fiat rails, why working capital is the biggest opportunity, and what instant payments means for enterprises.