Banking and fintech
Analyzes how established financial institutions and newer technology businesses compete, partner and respond to changing customer expectations.
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Perimeter Reading / Fintech
Fintech Takes
Alex Johnson
Alex Johnson analyzes the business decisions behind fintech and banking, connecting product design, customer behavior, regulation and industry incentives through a twice weekly newsletter.
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The publication
What to expect.
Fintech Takes asks why financial products and institutions behave the way they do. Alex Johnson combines industry research and a strong point of view to examine banking, payments, financial technology and public policy. Essays often move from a specific company or product decision to a broader question about incentives or customer outcomes. The main newsletter publishes twice weekly and is free to read. The site also offers a podcast and a separate banking newsletter, so check which email you are choosing when subscribing.
Who it’s for
Fintech operators, bankers and industry observers who want opinionated analysis of product strategy, business incentives and the effects of financial regulation on customers.
Inside the reading
Its areas of focus.
Product incentives
Examines the economics behind financial products and how commercial choices influence design, distribution and customer experience over time.
Policy and structure
Connects regulatory and public policy debates with the practical constraints that shape business models in financial services.
The Desk’s reading note
Make the read useful.
After reading an argument, identify the customer problem, the company’s incentive and the evidence linking the two.
Keep a question, an idea to investigate, or a source to return to in your saved notes.
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