Growth Strategies with Jonathan Mills Patrick

Growth Strategies with Jonathan Mills Patrick

The Rise of the "Charter Lite" Neobank

GTM lessons from how neobanks disrupted and continue to disrupt the financial services industry

Jonathan Mills Patrick's avatar
Jonathan Mills Patrick
Jan 28, 2026
∙ Paid

Infrastructure-first platforms offer a promising solution.

With the right UI, any company can add financial services to their product suite.

Traditionally, financial institutions relied on “on-premises” infrastructure. That required massive CapEx spending and the right talent to manage those systems.

Infrastructure-as-a-service (IaaS) allowed those FIs to …

This post is for paid subscribers

Already a paid subscriber? Sign in
© 2026 Jonathan Mills Patrick · Privacy ∙ Terms ∙ Collection notice
Start your SubstackGet the app
Substack is the home for great culture