MG | Creative FinTech

AI coding agents can now deliver one-shot custom apps straight to your phone. It’s the beginning of the end for the iPhone’s dominance.

WILD: Revolut just printed £1.7B in profit while still growing like a startup 😳 Most fintechs had to choose: growth or profitability. Revolut just did both. 2025 financials: → £4.5B revenue (+46% YoY) → £1.7B profit before tax (+57% YoY) → ~38% margin (higher than most banks) → 68.3M customers (+30% YoY) → £50B customer balances (+66% YoY) But the biz model is the real story: → 76% of revenue is fee-based (not interest-driven) → 11+ product lines doing £100M+ each 🤯 → Business accounts already ~16% of total revenue This isn’t a bank. It’s a financial super app with bank economics layered on top. And that’s the shift most people miss. Banks monetize deposits. Revolut monetizes behavior. Spend → earn Trade → earn Subscribe → earn Hold cash → earn Every action becomes revenue. Meanwhile, distribution is compounding: → 1 in 5 working-age Europeans now uses Revolut → In some markets, ~1 in 3 new accounts are Revolut That’s not growth. That’s capture 🚀 My takeaway: FinTech didn’t kill banks. It rebuilt them with better unit economics and zero legacy drag. And now the “challenger” is the incumbent in disguise. Most importantly, if Revolut keeps this pace, the question isn’t who wins fintech. It’s who’s left competing with it.

Ce matin… j’ai pleuré. Je suis dans une période où… je ne comprends pas tout. Et mon Capital de départ est à -1 Mais malgré tout… je choisis de croire. Je ne sais pas encore où je vais… Mais j’accepte de marcher… même sans voir. Peut-être que cette vidéo…