Post Tagged with: "bricks and mortar"

Disrupting Auto Finance

by October 30, 2014 at 2:55 pm 0 comments

Last year, I woke up to the sleeping giant of auto finance. Over the last decade, we’ve witnessed an explosion of startups building software that dramatically cuts inefficiencies in the exchange of information, goods, and services – disrupting industry incumbents in the process. In the last year, Silicon Valley is finally turning its attention to […]

Diverse Perspectives

Diverse Perspectives

by April 17, 2014 at 6:25 pm 0 comments

I go to more conferences than are good for me.  And if you’re like me, you don’t attend many sessions, and you meet with the same cast of characters.  I have two suggestions on breaking those rules.  If you read this blog, I’d argue there are two must-do conference on your calendar: Money2020 (in October) […]

Auto Lending is the New Payday Lending – and That’s a Good Thing

by October 10, 2013 at 5:16 am 0 comments

In my last post, I made the case that the financial product no one talks about – auto finance – is actually the single largest spend category in financial services for the un- and underbanked. (Read it) Today’s subprime customers can pay as much as 10 times more to get a car loan, with Buy […]

Subprime Auto Finance: Hidden Giant

Subprime Auto Finance: Hidden Giant

by October 8, 2013 at 12:23 pm 0 comments

No one who reads my blog will be surprised to learn that 1 in 4 Americans are underbanked.  But I do see quite a few raised digital eyebrows when I point out that these 80 million consumers spend almost $80 billion on fees and interest for the most basic of financial services every year.  While […]

Bluebird verses Green Dot. Prepaid wins.

Bluebird verses Green Dot. Prepaid wins.

by November 25, 2012 at 9:43 pm 0 comments

Walmart made Green Dot.  Now it’s making Blue bird.  The low-cost merchant has long offered a full suite of payments products to its customers, at record low prices.  From international money transfer to bill-pay to check cashing and prepaid, Walmart has long been a pioneer of financial services for the emerging middle class.  In 2010 […]

It’s Not Easy Bein’ Green Dot

It’s Not Easy Bein’ Green Dot

by August 5, 2012 at 11:35 pm 0 comments

Kermit is not the only LA-based green creature that feels misunderstood.  Just over a week ago, Green Dot Corporation (GDOT) lost over 60% of its value on the news that things weren’t as rosy as expected.  This leader of the next generation of companies serving the unbanked and underbanked appears plagued by a number of […]