10 Mar 2021

Daily Tearsheet: Recurring revenue financing with Pipe and Anthemis, and debit cards are dethroning credit cards

Where Credit’s Due Ep. 10: Getting capital without dilution or debt through recurring revenue financing, with Pipe and Anthemis

• Today we're talking about another way of accessing capital: recurring revenue financing. If there's cash flow coming in, this recurring revenue is made into a tradable asset that can be sold to investors.
• It's a dilution-free and debt-free form of financing, which we explore in detail with Michal Cieplinski, Chief Business Officer at Pipe, and Farhan Lalji, Investor at Anthemis.

Lending Briefing: Debit cards are taking over

• This year, debit cards have emerged as the preferred payment method for the majority of US consumers, dethroning credit cards.
• Younger generations are behind this switch – even though they're also getting credit cards, Millennials and Gen Zers prefer to pay with debit.

Daily Tearsheet: How Amex uses Kabbage to help SMBs with cash flow, and why regulators are cracking down on bank-fintech partnerships

Why are regulators cracking down on bank-fintech partnerships?

• A higher level of regulatory scrutiny is on the way for fintechs and the bank partners on which they rely.
• Increased regulatory scrutiny could result in a safer and more resilient market to the benefit of consumers, says Brian Graham, partner at Klaros Group.