The Fintercept

Fintercept fintech analysis is a Substack newsletter edited by Brendan Ragan in collaboration with The Fletcher Group. It skips daily news: roughly one story a week, written by C-suite leaders, industry insiders and senior product specialists from payments and fintech companies.

Recent posts

13 October 2026: "One Card, Every Context: Why Flexible Credentials Matter", arguing for one credential that can carry debit, credit and instalment payments. 12 October: a MoneyLIVE North America report on agentic AI accountability. 9 October: a survey finding Latin American professionals earn 66% more working for US companies. 6 October: "FinCEN's AML Overhaul Will Test How Fast Banks Can Change". Earlier items cover who should get access to the Fed's payment rails, payment fraud that no longer looks suspicious, tokenised private credit, small-business lending infrastructure and Verona's verUSD launch.

Why read it

The archive is open and in English, and conference takeaways sit next to opinion. Because authors work inside the companies they discuss, you get practitioner views on cards, compliance and fraud rather than reporting. Treat the posts as informed opinion, then check regulators' texts.