Angles on Fintech

Angles on Fintech is a Substack by Andrew Marshall about how fintech companies and banks communicate, not about the products themselves. Posts read press releases, earnings decks, conference stages and job ads to work out what a firm is really saying.

Recent topics The latest issue, from late September 2026, looks at how big banks present their payments businesses to investors around Money20/20. Earlier pieces examine how Fiserv handled its stablecoin announcement, Coinbase's regulatory messaging, the Stripe and PayPal contest, the Digital Euro debate and what banks tell shareholders about AI. Conference write-ups cover Sibos and the FT Weekend Festival.

Format and rhythm Several posts a week appear in the archive. The angle is consistent: read the statement, compare it with the filing, and note what is left out.

Why payments people read it Corporate development, investor relations and product-marketing teams in payments get a quick reading of competitors' positioning. Merchants and PSP analysts can use it to separate a real strategy shift from rebranding.