The goal of this post is to provide a deep-dive in one of these decentralised credit marketplaces Credix, to analyze its capital-markets-as-a-service proposition and contextualize it in the wider lending space.
The post analyses PIX the new Instant Payment schemes launched in Brasil: its main characteristics, success factors, and the impact that a widely adopted centralized instant payment scheme will have on the Brazilian financial ecosystem.
The deck presents the main elements of a core banking solution, its history and some guidance on the make vs buy choice of this solution.
A few weeks ago, while preparing my 10k analysis for Adyen, I came across a very interesting McKinsey report on Payments and stumbled into the following table on cross-border transfer flows and revenues: What really surprised me, even more than the huge revenue chuck of the B2B segment, was the disproportion between consumer and business segments and, at the same time, the...