§PPerspective · One piece a month
Public-data analysis.
Florin byline. No individual name.
Florin byline. No individual name.
The thinking,
not the pitch.
Long-form pieces on fintech distribution. One a month. Read time and word count surfaced. Sources cited in-line where they exist.
P.01
Why Monzo's 2024 CAC doubled while its CPM fell 30%. The naive explanation is iOS17 attribution loss. Three years of public filings tell a different story: funnel saturation. A reading.
27 May 2026 ▲ Published
11 min read 2,247 words Read →
P.02
The embedded-finance unit-economic trap. Why the take-rate maths that closed the Series B doesn't survive the first compliance audit.
Targeted Jun 2026 Draft · 30%
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P.03
Why fintech LinkedIn stopped converting in late 2025. Median engagement halved. Inbound from posts halved before that. We pulled the data.
Targeted Jul 2026 Draft · 60%
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