It is worth looking at Y Combinator batches because it is such a Darwinian process that it reveals underlying trends. Last week I looked the most recent Y Combinator batch and found that 26% were Fintech, more than 2x any other batch. Apart from more confirmation that Fintech is aRead More
Post Tagged with: "Blue Ocean"
There will be another recession/bear market. Nobody knows when or how deep, but the statistical probability of mean reversion is a horse worth betting on. I am guessing that the current wild market (correction in a bull market telling you to buy the dips? start of a bear market? HedgeRead More
Small business lending is a market window of opportunity big enough to drive a truck through. It is also a perfect fit for “rebundling“; business finance is too complex for point solutions. Small businesses need banks and banks need small businesses as digitization disruption hits their consumer revenue line. MassiveRead More
You know all those cool infographics of the Unbundling of a Bank with lots of startup logos? The Great Fintech Unbundling also looks like this: Rebundling usually follows Unbundling in the tech business and looks like this: Some people care about music technology. I had pals at University who would obsessRead More
The last market opportunity “big enough to drive a truck through” that I witnessed was the difference between time spent online and ad $ spent online. SMB Financing is in that class now because of four mega trends: Banks are lending less (due to balance sheet constraints) just when business is recovering and needing new…Read more SMB Financing is a window of opportunity “big enough to drive a truck through”
A digital wallet could be a commodity with maybe some branding and fashion – similar to physical wallets today. In this scenario, we will have thousands of digital wallets. Or a digital wallet could become your mobile bank – the one thing you never leave home without – that completely changes our concepts of money…Read more The Digital Wallet User Experience will have to pass the toothbrush test.
The emergence of billions of people out of subsistence farming into a global middle class is the biggest story of the 21st Century. This is the equivalent of the industrialization wave that started a few hundred years ago in the West. Except this time around it is driven by digitizationRead More
The meme that mass adoption for Bitcoin will happen first in the developing world is spreading fast. I don’t buy it. These stories are written by people in the West who are Bitcoin enthusiasts and who are depressed by the lack of mass adoption in the West. So, they graspRead More
Acquire Hire tends to mean: The venture raised small amounts of capital (Friends & Family, Angels) but could not do a Series A and so was running out of cash. The announcement does not show the amount the acquirer paid. This protects the reputation of the Founders and Investors who claim “Exit” on their track…Read more How Global Banks can make Acquire Hire work in Fintech using the Pirate model
In startup land, we rightly laud the achievement of creating a Unicorn. Creating a business worth $1 billion in a few years is an amazing achievement that makes the participants rich. Put that in perspective to what Fortune 500 companies need to do: GE needs to create about $15 billionRead More