What are your thoughts on how Apple Pay and Google Pay are affecting the payment industry as a whole? Do you think they pose a threat to digital payment methods and companies?
Hi, I hope you're doing well. Massive fan of your Substack/Twitter.
I am a founder of Zeed (https://zeed.ai/). We're helping creators transform their written content (like this Substack) into dynamic video pieces using AI to capture new audiences.
Would love to show you an example and jump on a call if you're interested in hearing more! Best, Rohan.
Thanks for the write up. Is there a risk that the margins are rapidly shrinking given quarterly operating income has declined. Growth without sustaining margins would not provide stock market returns. Thoughts?
The risk is that the margin compression is permanent and not short-term. If the margins continue to decline or do not recover it would suggest that the commodization of payments has become a reality.
Good work! I'm doing a write-up on the payments industry as well, making more a comparison between Adyen and Braintree. I'm currently leaning positive on Adyen as well.
Amazing job well done! The importance of the return on the cash excess (customer transactions) and futur cash excess is huge when intrest rates stay high and will increase in the futur
What are your thoughts on how Apple Pay and Google Pay are affecting the payment industry as a whole? Do you think they pose a threat to digital payment methods and companies?
Apple and Google Pay will take market share from companies such as PayPal but they do not compete with Adyen, it’s a different part of the value chain
Amazing article on this European gem. Well done 👏
Hi Arny, thanks a lot for the kind words. Really appreciate it my friend 👌
Hi, I hope you're doing well. Massive fan of your Substack/Twitter.
I am a founder of Zeed (https://zeed.ai/). We're helping creators transform their written content (like this Substack) into dynamic video pieces using AI to capture new audiences.
Would love to show you an example and jump on a call if you're interested in hearing more! Best, Rohan.
Hi Rohan, thank you for reaching out. My email is wolfofharcourtstreet@gmail.com if you want to reach out
Have sent you over an email - let me know if received.
Thanks for the write up. Is there a risk that the margins are rapidly shrinking given quarterly operating income has declined. Growth without sustaining margins would not provide stock market returns. Thoughts?
The risk is that the margin compression is permanent and not short-term. If the margins continue to decline or do not recover it would suggest that the commodization of payments has become a reality.
Good work! I'm doing a write-up on the payments industry as well, making more a comparison between Adyen and Braintree. I'm currently leaning positive on Adyen as well.
Looking forward to reading that. Let me know if you want to exchange any notes
Amazing job well done! The importance of the return on the cash excess (customer transactions) and futur cash excess is huge when intrest rates stay high and will increase in the futur
Hey, thanks a lot for the feedback. Glad to hear you found it valuable 👍
check : @Govro12 WinterGems Stocks did also a nice analysis!
Will check it out, thanks for the suggestion