Latest Posts
Matt Jones
Resilience and Innovation: Ukraine's Fintech Ecosystem
How did payments infrastructure hold up in the midst of war?
Earlier Posts
Matt Jones
Dollarising the world — coin by coin
The rise of stablecoins and the startups poised to capitalise
Matt Jones
How Geopolitics Shapes Fintech in 2026
Fintech is getting messier
Matt Jones
What's going on with the UK's favourite bank?
The state of Monzo in 2026
Matt Jones
My Most Read Posts of 2025
What resonated and why
Matt Jones
Building the Infrastructure for Crypto at the Checkout — with WalletConnect
Unlocking millions of crypto users for PSPs
Matt Jones
Did Curve Force Visa and Mastercard to Innovate?
Understanding Curve’s business model, how Visa and Mastercard reacted, and the innovation that followed.
Matt Jones
How Apple Disrupts Passports (!), Payment Cards, and Payment Terminals
Eleven Ways That Apple Pay Changed Payments — Part 2
Matt Jones
How to Keep Up with the Global Payments Industry in 2025
Thoughts from 15+ years in the industry and why I'm relaunching this newsletter
Matt Jones
Eleven Ways That Apple Pay Changed Payments — Part 1
Core Impacts From Eleven Years of Apple Pay (2014-2025)
Matt Jones
Can AI-Routing increase revenue? (in conversation with Worldline)
Taking AI from theory to practice in payments
Matt Jones
Three fintech stories for the weekend (#1)
Monzo and Nubank eye the US; Stripe's reading obsession; Is BNPL driving a new debt culture?
Matt Jones
Blik and you'll miss it
The unstoppable rise of modern Poland (and its mobile payments)
Matt Jones
Why Ryanair wants you to Pay by Bank
How to save £3m+ in payments acceptance costs
Matt Jones
Monzo’s fintech marketing genius ✨ (and what we can learn from it)
Marketing that doesn't feel like marketing
Matt Jones
Escaping America’s payments empire
The new geography of digital money is fracturing the global economy
Matt Jones
Building the CFO stack for global finance teams
In conversation with Finmo's CEO, David Hanna. And weekend reading review.
Matt Jones
Meta invests in Ray-Ban maker but what's the plan for payments?
Augmented reality, China's Five Little Dragons, and the new paradigm
Matt Jones
How payments go from Person to Business (P2P to P2B), with insights from EBANX
The emerging market payment trend that's reshaping how businesses get paid
Matt Jones
Circle's bumper IPO and highlights from Money20/20 Europe
How stablecoins are going mainstream
Matt Jones
Using blockchain to power real-time payments with Tassat; do we still need cash?
Why some banks are betting on blockchain to deliver real-time payments
Matt Jones
Can Revolut compete with American Express?
Looking at the interchange business model in Europe, how credit card rewards are funded, and why American Express is different
Matt Jones
How fintech can still help the planet
Despite ESG losing favour, sustainability schemes offer real world change, and payment tech can play a role too
Matt Jones
Crossing the chasm with payments (part 1)
What can payments companies learn from tech successes and failures?
Matt Jones
Block's earnings miss, agentic commerce and much more
A curated look at what's been going on in payments and fintech
Matt Jones
BNPL in the midst of a trade war
Despite the headwinds BNPL is here to stay
Matt Jones
Writing about writing after almost two years of writing on Substack
Some reflections so far
Matt Jones
Stablecoins have had a rocket boost - will merchant payments be next?
Payments will be enhanced with new rails for a new era
Matt Jones
Germany's legacy payment tech and the impact of AI
The world is changing fast is Europe keeping up?
Matt Jones
What happened and what's coming up (2024 review)
Reflecting on 2024 and looking ahead to 2025
Matt Jones
Innovation in Open Banking
It's getting easier to Pay By Bank
Matt Jones
Scaling regional fintech - with fintech Wales
Understanding the world of UK fintech outside London
Matt Jones
Meta's Orion and post-device payments
Do form factors even matter when they change so quickly?
Matt Jones
Travel + tech + fintech in Southeast Asia
Notes from Singapore, Malaysia and Indonesia
Matt Jones
Neobanks (Part 2) - success or failure?
Analysing the UK's neobanks
Matt Jones
Neobanks (part 1) - riding the wave
How neobanks do it better
Matt Jones
Mobile payments explosion
Global mobile payments are making an impact
Matt Jones
Incentivising Open Banking
Changing consumer behaviour isn’t easy
Matt Jones
Meta's payments potential
When Can I Pay With My Ray-Bans?
Matt Jones
Payment schemes vs payment rails
What are they and what do they do?
Matt Jones
Understanding Africa's fintechs
Innovation in the informal banking sector has led to growth in products and services for the unbanked
Matt Jones
Alipay+ and Chinese brands at Euro 2024
There's no better way to reach a large global audience than sports sponsorship
Matt Jones
How Apple Pay changed payments
Did Apple made payments cool?
Matt Jones
Money 2020 Europe - round up
Learning from experts on how to implement AI in financial services
Matt Jones
How card numbers will disappear
Mastercard's strategy to make it easier to pay online
Matt Jones
How fraud keeps growing
On the rise of first party fraud
Matt Jones
What's holding back Open Banking?
Creating new payment mechanisms for consumers is hard work
Matt Jones
Mario Balotelli, volleyball, and Bitcoin in Turkey
When inflation is high, dollar based assets are in high demand
Matt Jones
You've heard of BNPL - what about SNBL?
How SNBL delivers instalments without credit and a Q&A with South Africa's LayUp
Matt Jones
Does the Visa and Mastercard settlement really matter?
Interchange fee reductions don't always benefit everyone but some win big
Matt Jones
Has SoftPOS been a success in Europe so far?
More and more payments are now accepted directly via mobile phones
Matt Jones
China's mobile payment apps as soft power
Mobile wallets as global soft power (part 1)
Matt Jones
Travel in Morocco - and the downsides of cash
Remembering what it feels like to use notes and coins again
Matt Jones
How Japan pays - payments in Japan
Exploring payment habits in the land of the rising sun. Taking a look at how people pay for goods & services, the role of culture, and the impact of technology.
Matt Jones
How fintechs are changing student finance
In a world of lifelong learning, eduction will evolve to offer new possibilities
Matt Jones
Spain's difficult road to Black Friday
As we become more cashless by the day, card payments are now critical infrastructure
Matt Jones
Three key trends driving payments (2023 review)
Several long-term trends have accelerated this year and will continue into 2024
Matt Jones
How tipping is changing and fintechs are helping
Technology brings new expectations for staff, businesses and consumers
Matt Jones
How India's Digital Public Infrastructure (DPI) is changing payments
India's tech stack is building innovative payment solutions at home and abroad
Matt Jones
How payments evolve - notes from Croatia
Even when travelling we notice payments everywhere
Matt Jones
How credit card rewards work
Taking a look at the business model of credit card rewards. Highlighting some key differences present in the USA, the UK, and Indonesia.
Matt Jones
How to deal with a payments outage
What can businesses do when their payment provider fails?
Matt Jones
How every bank can be a payments company
Embedding payment processing inside mobile banking apps is a key opportunity
Matt Jones
How software disrupts payments
Mobile technology and app-stores transform distribution for payments companies
Matt Jones
How payments can help save the planet
Technology can help businesses and consumers be more sustainable