Panagiotis' FinTech Newsletter
Panagiotis KriarisFinTech, Payments, Banking. Behind the Scenes. Explained.
| Platform |  | Pricing | Only free issues | Publishes | Weekly |
|---|---|---|---|---|---|
| Issues | 89 | Founded | 2 years ago | Last Issue | 10 days ago |
| Active | |||||
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pkriaris.substack.comLatest Issues
1) OpenAI vs. Anthropic IPO 2) Why Stripe bought OpenRouter 3) Stablecoin Regulation 2026 4) Adyen H1 2026 Results 5) The Agentic Payments Alliance
1) OpenAI vs. Anthropic IPO
It is the battle of the battles: the OpenAI vs. Anthropic IPO race. Who will go first, why, at what valuation and what difference it can make.
Both companies filed for an IPO in June, just seven days apart....
1) Q2 2026 Fintech Review 2) Agents in Banking 3) The AI $7.6 Trillion Problem 4) BNPL Competition Map
1) Q2 2026 Fintech Review
What happened in fintech in Q2? One trend stands out: financial infrastructure. Here is my full analysis.
This is based on CB Insights’ latest report and the broader trends I am seeing across the sector.
𝗧𝗵�...
1) Visa vs. Mastercard latest results 2) The Agentic Wars 3) Mastercard & BVNK 4) U.S. Digital Payments Landscape 5) Apple by the Numbers
1) Visa vs. Mastercard latest results
The latest Visa and Mastercard results are out - here’s how they compare, what’s behind the numbers, and what changed from last quarter.
𝗩𝗶𝘀𝗮 𝗤𝟯 𝟮𝟬𝟮𝟲:
• Revenue: $11.6 B (+14%) - continue...
1) US vs. European Fintechs 2) Is this the future of Banking? 3) AI Adoption by Industry & Function 4) Fintech Meetup comes to Europe 5) Payment Gateway vs. Payment Processor
1) US vs. European Fintechs
Who are the top US and European fintechs, and how do they compare? I did the analysis and here are my findings.
𝗛𝗼𝘄 𝘁𝗼 𝗿𝗲𝗮𝗱 𝘁𝗵𝗲 𝗿𝗮𝗻𝗸𝗶𝗻𝗴𝘀:
• The gap at the very top has narrowed considerab...
1) AI Agentic Protocols 2) Visa's Stablecoin Play 3) The Infrastructure Fintech Play 4) The Banking AI Orchestration Stack
1) AI Agentic Protocols
It is the battle of the protocols. Every major technology wave has been defined by its protocols. The same is now happening with the agentic economy.
A protocol is a set of rules that defines how systems interact...
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Authors
The writers behind this newsletter.
Having spent my career on the borderline between business and technology, I help people navigate the complex world of fintech, payments and banking by looking behind the scenes.
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