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The Mandala Group
Growth and Financial Services Advising
All Posts


AI in Sales for Fintech: When It Truly Works (and When It Doesn’t)
AI can meaningfully improve sales productivity in fintech — but only when the foundation is right. This article outlines where AI delivers real ROI, the minimum data thresholds required for common AI use cases, and the most common failure patterns GTM teams encounter when they move too fast.
Sophie Decker
Jan 85 min read


Pencils Down: 2025 Fintech Predictions Reviewed
In 2025, we made a set of bold fintech predictions spanning crypto, social commerce, open banking, and AI. With the year now complete, this review looks at how those calls held up against a fast-changing reality shaped by regulatory shifts, the legitimization of stablecoins, and rapid AI adoption across payments and commerce. Some trends exceeded expectations, others matured more slowly, but together they defined 2025 as a pivotal year that reset priorities and direction acro
Frederick Crosby
Jan 24 min read


CRO-Tales: The Unrelenting Agony of "Nice to Have"
Few things are more painful for a CRO than a product the market likes but won’t prioritize. This article explores the “Nice to Have” trap—where sales cycles drag, deals stall, and revenue never materializes—and outlines practical GTM, messaging, and product alignment shifts required to move from marginal value to true indispensability.
Frederick Crosby
Dec 4, 20256 min read


How Many Stablecoins Are Enough?
As stablecoins multiply at record speed, the question isn’t whether the market is growing—it’s how much fragmentation it can sustain. This article examines what’s driving the stablecoin boom, where new coins actually make sense, and why most will struggle to reach critical mass. Not all dollars are created equal, and the market won’t support infinite variety.
Frederick Crosby
Oct 23, 20255 min read


My Summer of Stables
After a summer of conversations across fintech, one theme dominated: stablecoins. This piece reflects on how the industry’s focus has shifted from consumer adoption hype to the harder work of building rails, rules, and infrastructure. The real impact of stablecoins, it argues, won’t be visible to consumers—but will quietly reshape how global money moves.
Frederick Crosby
Aug 17, 20254 min read
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