“can we buy these software businesses these sas businesses that sit adjacent to fintech opportunities and then actually launch those fintech opportunities so things like payments banking cards payroll and lending on the back of the initial wedge that that company has carved out for themselves”

The Fintech Bridge: Apps Adjacent to Payments Can Unlock a Much Larger Business

Universe Software's thesis: scheduling/booking apps are wedges into payments, payroll, and lending — the same playbook as Shopify (started as SaaS, 70% of revenue is now fintech) and Toast. The app gets you the trusted user relationship; the fintech product is where the real margin lives. Any app adjacent to a point of transaction has this same optionality.