The Problem With Disconnected Lending and Payment Stacks This is one of those origin stories that does not start with a brilliant idea on a napkin. It starts with a production incident at 2am. As most honest fintech origin stories do. The specific incident does not matter — it involved a disbursement that had been...
ISO 20022: What Native Means and Why Migrated Is Not the Same Thing ISO 20022 is having its moment. After years of being discussed primarily by payments infrastructure nerds at industry conferences — the kind of conferences where the networking drinks are sponsored by a company called something like ‘SettleFlow Enterprise Solutions’ — the message...
The Difference That Matters to Regulators Let me tell you about a conversation that happens regularly in fintech companies. It usually takes place around month nine of building a lending product, when someone in a leadership meeting asks ‘are we AML compliant?’ and the CTO looks at the Head of Product, who looks at the...
Welcome to legacy lending SaaS. It works. It just was not built for you.
Nobody sets out to build a mess. Every fintech CTO who has assembled a lending stack from five different vendors did it with perfectly reasonable intentions. They picked the best loan origination system on the market. They chose the most respected AML compliance provider. They selected a payments processor with solid API documentation. Each individual...
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Full-stack fintech infrastructure for teams building lending products in the US market. Lending. AML. Payments. Core Banking. Cards. One deployment. Built native. Not assembled.
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