Innovation in the First Fintech Cycle
A framework for thinking about uncertainty, risk, valuations, upside, “smart money,” and incumbent positioning, built through an analysis of the First Fintech Cycle, circa 2007-2023.
Will Beeson
Building Decentralized Infrastructure for the Global Financial Industry
Luca Prosperi is the co-founder and CEO of M^ZERO LABS_, a team building a new backend for the banking system.
Luca is a deep thinking analyst, economist and builder, with a background in institutional finance, alternative and credit investments and more recently DeFi lending and governance. Luca publishes analysis
Fintech as Consumer Discretionary & Why It Matters
One framework I have for thinking about fintech involves three simple categorizations: fintechs as financial institutions, fintechs as tech companies, and fintechs as consumer discretionary businesses.
This framework is particularly useful for consumer & SMB fintech, but it can often be extended to B2B, too.
Depending on the audience, market
Silicon Valley Bank and the Implications for National Currency
I, many friends, our entire industry, and perhaps you are reeling from the rapid collapse of three US banks serving the broader tech & crypto sectors: Silicon Valley Bank, Silvergate and Signature.
Much fantastic analysis has been done on the causes and impacts of the bank failures themselves, including some
How to Differentiate in Early-Stage Fintech VC with Sheel Mohnot
Sheel Mohnot is Co-Founder and General Partner at Better Tomorrow Ventures, an early-stage fintech VC currently investing out of its $225m second fund.
Sheel is a former founder, having built a tech-first card processor way back in 2010 which was quickly acquired by Groupon.
Since 2014, Sheel has been angel
What VCs and Founders Get Wrong About the Credit Business
Matt Harris is an entrepreneur and investor and the founder of Bloom Credit, an API platform for credit data access and analysis.
Currently, Matt is focused on investing and advising, working with VC-backed founders and advising companies in the credit space.
Among other things, Matt is an advisor to Commerce
Rebuilding Checking & Cash Management with Jiko
Stephane Lintner is Co-Founder & CEO of Jiko, a new take on the money storage and transaction layer in banking, a.k.a. checking accounts and cash management.
Jiko was founded in 2016 with the mission of providing consumers and businesses with direct access to spendable T-Bills, combining all the