Macro FinTech
Navigate regulatory complexity. Get high-level analysis of policy shifts, market consolidation, and industry transformation—strategic intelligence for strategic decisions.
Start This BriefingWho This Is For
What Your Briefings Cover
Regulatory Developments
Banking regulations, open banking mandates, and compliance requirements. What's changing and when.
M&A Activity
Acquisitions, partnerships, and market consolidation. Who's buying, who's selling, and why.
Industry Transformation
Open banking, embedded finance, and digital transformation. How the industry is evolving.
Market Analysis
Market sizing, growth projections, and competitive dynamics. The data behind the trends.
Sample Briefing Excerpt
"CFPB's Open Banking Rule: What It Means for Banks and Fintechs"
The CFPB's final rule on personal financial data rights (Section 1033) is the most significant regulatory development in US fintech since Dodd-Frank. Here's what it means:
For banks: Must provide consumer-permissioned data access to third parties via standardized APIs by 2026 (large banks) or 2027 (smaller institutions). Screen scraping will be prohibited, forcing investment in API infrastructure.
For fintechs: Legitimate data access becomes a right, not a privilege negotiated bank-by-bank. However, fintechs must now meet data security and privacy requirements, and can only access data "reasonably necessary" for the service provided.
Strategic implications:
- Data aggregators (Plaid, Yodlee) face both opportunity and threat
- Banks may compete on data access quality as a differentiator
- New category of "data intermediaries" likely to emerge
Timeline: Final rule effective April 2024, with compliance deadlines staggered by institution size through 2027.
See the Big Picture
Strategic intelligence for navigating fintech's regulatory and competitive landscape.
Start Your Briefing