Flinks Field Notes
Field notes from inside
Canadian financial infrastructure
One thesis per issue. No product updates. Grounded in data, not hype.
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The Flinks difference
Each issue takes one development from across financial infrastructure and breaks down why it matters — and what it changes for your business.
OPEN BANKING
Open banking as execution infrastructure
Beyond aggregation — the shift to service initiation, consent-based data flows, and what Canada's regulatory timeline means for product and compliance teams building distribution at scale.
REGULATED AUTOMATION
Speed and governance stopped being opposites
The institutions moving fastest aren't skipping compliance — they're designing it into the workflow. How auditability and consent are becoming a competitive advantage, not a cost center.
FRAUD & RISK
How AI-generated fraud reaches underwriting — and gets stopped
Bank statement manipulation is outpacing manual review. How the lenders catching it earliest are combining direct bank connectivity with document forensics — and what it means for risk teams still relying on uploads.
PAYMENTS
What 3-day EFT holds actually cost — and what's replacing them
The hidden drag of traditional settlement on lending unit economics. Why same-day settlement changes the risk calculus, and what early adopters in auto and SMB lending are seeing in their default rates.
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