| domain | mtb.xyz |
| summary | Matt Brown, an investor and advisor at Matrix, focuses on early-stage fintech startups. He shares insights from his recent readings in various topics related to finance and technology through notes published annually from 2022 to 2025. Some recurring themes include:
1. Data models' importance for businesses (e.g., "Your data model is your destiny") 2. The growing interest of venture capital (VC) and software in private equity (PE) trends ("Why VC and software have PE envy") 3. Emerging AI developments, with a cautionary note on vertical AI ("Vertical AI: Beware what you wrap") 4. Stablecoins, their role, and implications ("Stablecoins in 1,000 words," "The future of interchange") 5. Cross-border payments and payment processing within software platforms ("Cross-border payments in 1,000 words," "Pricing payments in vertical software," "Real-time payments in 1,000 words," "Payfac in 1,000 words") 6. Open-source trends in fintech and emerging payment methods ("The new fintech stack is... open source," "Dark software") 7. Fintechs' impact on traditional industries, their growth strategies, and market dynamics ("Hedgehogs, foxes, and VCs," "B2B payments aren't payments, they're workflows," "Vertical, horizontal, and ghost markets," "Fundraising for fintech infra is different," "The iron triangle of embedded fintech," "Bundling, unbundling, and timing," "The best fintechs turn risk into leverage," "Winner-take-all dynamics in fintech," "Interchange is a burning platform") 8. Emerging technologies like VERP (Value-Added Recurring Product) and its strategic importance ("VERP product strategy," "Building category-defining VERPs") 9. The evolution of vertical Enterprise Resource Planning (ERP) systems ("The golden age of vertical ERPs") 10. Undifferentiated heavy lifting in software development ("Undifferentiated heavy lifting").
Overall, these notes delve into the latest trends, challenges, and opportunities within fintech and related fields, offering valuable insights for investors, entrepreneurs, and enthusiasts. |
| title | Matt Brown |
| description | I'm an early-stage VC at Matrix, where I focus on fintech, vertical software, and adjacent areas. Before this I founded Bonsai and Seiza, and led product at Afterpay. And before that I studied politics, philosophy, and economics at UC Berkeley and Oxford |
| keywords | vertical, software, payments, words, notes, interchange, investing, startups, product, time, data, model, risk, favorites, reading, matt, brown |
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| nslookup | A 198.202.211.1 |
| created | 2025-11-07 |
| updated | 2025-11-07 |
| summarized | None |
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