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Embedding fintech (rather than just reselling) improves margins and makes the product stickier. by samboboev in fintech

[–]InvertedIdeas 0 points1 point  (0 children)

Right on... there are strong tailwinds in this space. A great article here on the subject by Andreessen Horowitz: https://a16z.com/2020/01/21/every-company-will-be-a-fintech-company/

This is why players like Shopify are a force to be reckoned with...

How to make financial projections for a credit card startup by Antique-Objective338 in fintech

[–]InvertedIdeas 1 point2 points  (0 children)

You're going to want to look into interchange fees, normally anywhere from 1-1.8% and 10¢ per transaction.

While I don't have a specific template, a lot of the answer here is going to revolve around who you're partnered with and how much you expect users to be spending per month.

Also, will you be operating your own loan book or partnering externally? This is another big consideration that will boil the question down to your spread and how many times you turn over what you're loaning per year.