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@granaresearch "Another big win for Wise $WISE $WISE.L. Congratulations @Wise @kaarmann Few people noticed but the business segment showed strong results last quarter. It will be extremely interesting to watch Wise Business over the next few years"
X Link @granaresearch 2025-08-13T07:14Z XXX followers, XXX engagements

"$TOST and $FOUR are under pressure following Bairds comments"
X Link @granaresearch 2025-09-22T15:50Z XXX followers, 15.7K engagements

"Wise $WISE $WISE.L currently has the lowest take rate in the industry charging customers just 0.52%. Western Union's $WU take rate is XXX% and Remitly's $RELY is 2.3%. This massive gap is primarily the result of Wises robust infrastructure. Why cant competitors replicate this infrastructure Traditional banks dont pursue this for two main reasons: 1/ Money transfers represent a negligible share of their business roughly XXX% of total banking revenue and about 1-1.5% of consumer banking income. 2/ There is an informal barter system between banks where correspondent banking is just one part of a"
X Link @granaresearch 2025-07-21T07:55Z XXX followers, 7659 engagements

"My first deep dive on Wise $WISE $WISE.L is now available on Substack free to read. Like and subscribe Wise: A Disruptor in the Remittance Market"
X Link @granaresearch 2025-07-21T18:16Z XXX followers, XXX engagements

"I'm happy to share my updated $WISE model following the Q1 trading update with anyone who follows this account and reposts this post. Once youve done that feel free to DM. A few thoughts on the $WISE $WISE.L update: At first glance the numbers looked soft revenue and underlying income came in below expectations. But once I ran the update through my model it became clear the market overreacted. Shares dropped XX% early in the session then recovered to -XXX% by the close. Most likely other investors just needed time to rework their models too. Why the results aren't bad at all: Active customers"
X Link @granaresearch 2025-07-17T14:54Z XXX followers, 8509 engagements

"Wise $WISE $WISE.L is one of the best investment opportunities across fintechs because: Wise offers the lowest-cost solution in the industry: the average take rate for personal transfers is XXXX% and for business transfers 0.39%. The blended take rate stands at XXXX% down from XXXX% a year earlier. For comparison Western Unions rate remains around XXX% and Remitlys at 2.3%. The low take rate is a result of Wises advanced infrastructure which took years to build. Replicating it is difficult requiring dozens of integrations licenses and regulatory approvals across jurisdictions. This creates a"
X Link @granaresearch 2025-07-22T07:05Z XXX followers, XXX engagements

"Fiserv $FI confidently dominates the core banking systems market both among banks and credit unions. This service is extremely sticky due to the very high switching costs. It is worth noting that the annual revenue of Jack Henry $JKHY is roughly 10x smaller"
X Link @granaresearch 2025-08-18T17:03Z XXX followers, 3772 engagements

"A few words about the conflict between $WISE $WISE.L co-founders Hinrikus and Krmann. Hinrikus has long been removed from the companys day-to-day operations. While his grievance may be legitimate I dont believe he has much chance of success. I assume most shareholders would be content if Krmann retained control. So far he has proven to be an extremely effective manager. In any case a conflict (or even a potential conflict) between the two largest shareholders is never a positive development. That said I dont think it will have any real impact on the quality of corporate governance. After all"
X Link @granaresearch 2025-07-22T08:38Z XXX followers, 1144 engagements

"Wise $WISE $WISE.L is one of the best investment opportunities across fintechs. It's trading at a 2026 FCF yield of XXXX% with a projected FCF CAGR of XXXX% through 2030. A deep-dive research on the stock is presented here:"
X Link @granaresearch 2025-07-23T12:07Z XXX followers, 16.9K engagements