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Fintech as Consumer Discretionary & Why It Matters

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

Lessons Learned from the Founding, Sale and Closure of Simple

Lessons Learned from the Founding, Sale and Closure of Simple

In 2009, Shamir Karkal and Josh Reich founded Simple, the original digital bank. The concept was straightforward and clearly articulated in an email Josh sent to Shamir in July of that year. That email set off a chain of events that contributed to the rise of digital banking as a

The Origins of Digital Banking with Shamir Karkal

The Origins of Digital Banking with Shamir Karkal

Today, we’re joined by Shamir Karkal, co-founder of Simple, the first digital bank in the US, and now co-founder of Sila. Founded in 2009, Simple was the original digital bank, conceived and built to give people more control over their money. After a few successful years, Simple was acquired

Robinhood, Chime and the Emergence of a New American Finance

Robinhood, Chime and the Emergence of a New American Finance

Welcome to our much anticipated first episode of 2021, and what a start to the year it has been. Last week was a train wreck as Gamestop, which was initially bid up by Redditers in an attempt to punish Wall Street, crashed back to earth when the very free brokerage

How BELLA Is Reimagining Banking with Angelo D'Alessandro

How BELLA Is Reimagining Banking with Angelo D'Alessandro

Today, is a special episode, of great personal importance to me. I have been learning and studying and training in fintech for years, both as a founder and through this podcast, where I’m able to have conversations with the most visionary and impactful founders, CEOs and VCs in the

Challenging the Incumbent Banking Ethos with Aspiration

Challenging the Incumbent Banking Ethos with Aspiration

Andrei Cherny is the Co-Founder and CEO of Aspiration, a socially conscious bank challenging the traditional banking industry ethos. Prior to founding Aspiration, Andrei worked as a speechwriter for Bill Clinton, authored books on public policy and war history, served as Assistant Arizona State Attorney General, held Senior Positions at

Building a Diversified, Profitable Digital Bank with Starling

Building a Diversified, Profitable Digital Bank with Starling

Today, regular contributor Lex Sokolin and I are joined by Anne Boden, Founder and CEO of Starling Bank, one of the original wave of app-only digital banks in the UK. Starling has built a diversified bank and achieved profitability for the first time in October, a rarity for digital banks.