David Ritter

Fintech & Payments Specialist | Banking Technology & Financial Infrastructure

Princeton, New Jersey, United States of America

Research Expertise

Payments Infrastructure, Real-time Payments, Merchant Acquiring, Core Banking systems, Banking technology vendors, Open Banking & APIs, Embedded Finance, Technology vendors serving banks, Competitive Positioning, Go-to-market Strategy

About

I focus on fintech, payments, and banking technology. My work centers on how companies compete, where growth is coming from, and how financial infrastructure is evolving. For many years, I have analyzed payments providers, banking software vendors, and technology platforms serving financial institutions. I am comfortable discussing competitive positioning, go-to-market strategy, product focus, and vendor differentiation. Clients reach out when they want a clear, independent view of the competitive landscape — who is gaining share and how strategies are shifting.

Education

MBA, Finance

Experience

Independent Consultant

Strategy & Market Research Advisor

Advise research firms and financial institutions on banking technology, payments infrastructure, and competitive positioning. Lead interview-driven research and market landscape analysis across fintech and financial services.

CI&T

Director, Financial Services Strategy

Led financial services strategy work focused on banking technology, vendor selection, API connectivity, and go-to-market positioning. Worked with enterprise clients navigating technology change and competitive pressure across payments and digital banking.

Bloomberg Intelligence

Senior Analyst - Fintech, Payments, & Consumer Finance

Covered fintech, payments, and consumer finance for institutional investors. Analyzed competitive positioning, earnings trends, and industry structure across public and private market participants.

Argus Research

Director of Research / Senior Analyst – Financial Services

Led equity research coverage of banks and specialty finance companies. Advised institutional investors through multiple market cycles with a focus on valuation, risk, and long-term competitive dynamics.

Links & Social Media

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