CrediLinq.Ai’s Post

🎂 Happy 2nd Birthday, Riverty! 🎂 What an incredible journey it’s been! In just two years, we’ve grown, evolved, and made waves in the fintech space, always with the goal of putting human-centricity at the heart of everything we do. 🌍 From rebranding, new partners, winning awards to empowering businesses and consumers alike, we’ve been on a roll! 🚀 🎉 A few achievements, we are so proud of: ✅ 80 million monthly transactions – and growing ✅ 28 million consumers served globally ✅ 20,000 merchants with Riverty in their checkout ✅ Partnerships with Adyen, Stripe & Mollie A huge shout-out to our amazing team for making all this happen. Together, we’re creating a new era of financial freedom – making payments easy, fair and sustainably future-forward. Here’s to many more years of transformative growth and exceptional teamspirit! 🙌🎉 #HappyBirthdayRiverty #Fintech #CelebratingGrowth

🎂 Happy 2nd Birthday, Riverty! 🎂 What an incredible journey it’s been! In just two years, we’ve grown, evolved, and made waves in the fintech space, always with the goal of putting human-centricity at the heart of everything we do. 🌍 From rebranding, new partners, winning awards to empowering businesses and consumers alike, we’ve been on a roll! 🚀 🎉 A few achievements, we are so proud of: ✅ 80 million monthly transactions – and growing ✅ 28 million consumers served globally ✅ 20,000 merchants with Rivery in their checkout ✅ Partnerships with Adyen, Stripe & Mollie A huge shout-out to our amazing team for making all this happen. Together, we’re creating a new era of financial freedom – making payments easy, fair and sustainably future-forward. Here’s to many more years of transformative growth and exceptional teamspirit! 🙌🎉 #HappyBirthdayRiverty #Fintech #CelebratingGrowth

**Is Klarna's IPO the Start of a New Banking Revolution? 💳🚀** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dFYwmbHq Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dB57-jFA

Big news in payments: Nuvei to be acquired for $6.3bn Canadian payments company Nuvei will be taken private in an all cash transaction led by Advent International, a premium of 56% of its price on the NASDAQ at market close. The company reported US$1.2 billion in revenue in 2023 on a total processed volume (TPV) of $200bn. Philip Fayer will continue to lead Nuvei as Chair and Chief Executive Officer. Nuvei founded in 2003 operates in 200 markets, does local acquiring in 50, and supports 680 payment methods. 🧠 6x revenue doesn’t immediately feel huge. When you compare this to the ZIRP phenomena and multiple payments that Fintech companies were getting, it feels “small.” But to be fair, it’s closer to the long-term mean. It makes you wonder what Stripe would IPO at (although I doubt they ever will at this rate). 🧠 This is about being able to invest in growth rather than share price growth. Nuvei has been the quiet innovator while everyone focussed on Adyen or Stripe. In true Canadian style, they’ve consistently grown and delivered a modern set of platforms and capabilities. 🧠 I worry about them moving into their M&A era. They’ve started acquiring companies to get into new verticals and markets. That will drive revenue growth, but it’s also how companies gradually become in-efficient and slow. If they can keep bringing everything into a single platform they could create an interesting new chapter. #payments #banking #fintech

**Is Klarna's IPO the Start of a New Banking Revolution? 💳🚀** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dFYwmbHq Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dB57-jFA

**Is Klarna's IPO the Start of a New Banking Revolution? 💳🚀** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dFYwmbHq Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dB57-jFA

**Is Klarna's IPO the Start of a New Banking Revolution? 💳🚀** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dFYwmbHq Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dB57-jFA

**Is Klarna's IPO the Start of a New Banking Revolution? 💳🚀** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dFYwmbHq Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dB57-jFA

I've had a front-row seat to the M&A in payments circus for the last 20 years, and boy, I've seen some big moves: - Worldline gobbling up Ingenico, Global Collect, Ogone... - FIS and WorldPay tying the knot - EVO Payments and Global Payments joining forces But in my humble opinion, the real rockstars in payments are built, not bought. Here’s why: → Those beautiful PowerPoint slides never survive first contact with execution. → "1+1=3" is a myth. More often, it's just two decent businesses running parallel. Not exactly groundbreaking stuff. → Payments is high-tech. Merging systems is like performing brain surgery while riding a unicycle. Most people lose their nerve once the PowerPoint confetti settles. → Nothing kills innovation faster than merging teams eyeing each other suspiciously. Sure, organic growth is slow. But spending years untangling a bad acquisition is slower. Hats off to Stripe and Adyen for sticking to their guns on organic tech growth. They're proof that slow and steady can win the race. If you're eyeing that shiny acquisition target, ask yourself: Am I buying growth, or am I buying a headache? In payments, the most valuable asset isn't always on the balance sheet - It's the ability to - Innovate - Adapt - Execute And that, my friends, is damn hard to acquire. – P.S. Let's give credit where it's due: Fiserv, with its $100bn+ market cap, shows that acquisitions can work at scale. They're the exception that proves the rule.

**Is Klarna's IPO the Start of a New Banking Revolution? 💳🚀** Klarna has officially filed for an Initial Public Offering (IPO) in the United States, stirring excitement and speculation across the fintech landscape. As one of Europe's leading buy now pay later (BNPL) services, Klarna’s move to go public signals not only its growth trajectory but also highlights a significant trend in how consumers are reshaping their purchasing power in an increasingly digital marketplace. This move could position Klarna among giants like PayPal and Square, aiming to further innovate within the financial technology sector. With consumer behavior shifting towards flexible payment options, will Klarna emerge as the frontrunner in this new age of banking? Investors and analysts alike are keen to see if this step will enable them to bolster their market share amidst intensifying competition. As retailers struggle against economic pressures and changing consumer habits, alternative financing solutions like BNPL have gained traction. Klarna's unique value proposition lies not just in its payment solutions but also its commitment to providing customers with seamless shopping experiences—drawing both loyal consumers and potential new partnerships within e-commerce platforms. In recent years, we've witnessed how well-executed IPO strategies can yield substantial results for companies venturing into public markets. As we watch this unfolding story closely, it prompts a bigger question: What does this mean for innovation within corporate finance sectors? Meanwhile, it's essential for organizations aiming at driving corporate innovation not only to keep track of these trends but also actively engage with startups paving the way forward! Are you curious about how your business can leverage these insights? Connect with fearless innovators today—book a meeting here: https://lnkd.in/dTxGsKrN Join us as we explore what Klikar’s IPO means for both investors looking for disruptive technology opportunities and businesses seeking fresh collaboration avenues! #KlarnaIPO #Fintech #StartupInnovations #BuyNowPayLater #ConsumerFinance #InnovationInBanking #EcommerceTrends #InvestingInFuture #AlternativePaymentSolutions #FinancialTechnology Read more about it here: https://lnkd.in/dTbGtUeh