6.4Fintech's moats don't compile
2026-03-11 • risk data regulation fintech ai
Fintech's competitive edge lies in financial services and regulatory relationships, not just software, as AI reshapes the industry's landscape.
About:
Matt Brown is the author of 'Matt Brown's Notes', a Substack publication that features occasional notes on tech and investing, with a focus on fintech and vertical software.
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The future of enterprise software hinges on enhancing context graphs, with vertical software companies poised to leverage their specialized data models for improved decision-making.
Risk in financial services is transformed rather than eliminated, and successful fintechs leverage technology to manage new forms of risk effectively.
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