Could the next financial crisis drive Bitcoin to mainstream?

“Bitcoin has no intrinsic value, but neither does government-issued paper money. The market should determine its value, while government should focus on disclosure, education, fraud prevention, and curbing its use to support criminal activities.” – Sheila Bair, who headed the FDIC during the dark days of the 2008 financial crisis Ten years ago, Bitcoin was […]

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Klarna’s $460 Million raise and US ambitions – is an IPO coming?

Late stage venture capital deals and funding have been growing rapidly over the last three years. The most recent European Fintech to hit the headlines with yet another multi-Billion dollar valuation is Klarna. The “Buy now Pay later” payments company raised $460 Million at a massive $5.5 Billion valuation. My immediate reaction to the numbers […]

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InsurTech Topics and Cascading Consequences

image TLDR   “If you wait by the river long enough, the body of your next article will float by.” (apologies, Sun Tzu) ” My colleague and friend, Thomas Verduzco-Weisel asked me recently about articles I write, “Do you keep a topic list or inspirational thought list?” I wish I was that organized and purposeful.  My […]

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Australia’s largest bank to spend $5B on technology

As a fintech, how do you compete with an incumbent’s AUD $5B war chest, specifically set aside for technology innovation? It’s a question a number of Australian fintechs and neobanks will be grappling with this week, after CBA, Australia’s largest bank, announced it is doubling down with its billions, in order to cement and entrench […]

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Where are the missing Homo Economicus in investing?

Source All economic theories assume a Homo economicus; which in plain English means a totally rational investor. We forget this basic assumption which makes all models ill-fit to our emotional and unstable behavioral profiles. This point cannot be ignored anymore, as we seek to deploy technology to offer customized financial advice and goal-based services. Deep dive […]

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Big Investors, Big Confidence for Bitcoin

TLDR. While Bitcoin is a volatile and nascent asset class, Bitcoin has consistently outperformed the Dow, S&P 500, and gold in the last decade. With more regulatory clarity, as well as more transparency from crypto exchanges, the risk of owning Bitcoin diminishes every day, bringing more institutional investors to the market. We are starting to […]

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InsurTech is growing up, and cyber crime is too

Image TLDR   Don’t look now but the self-declared insurance disruptive force called InsurTech is maturing.  There, I’ve said it. And cyber crime issues need to become mainstream discussions.  There, I’ve said that, too.   Here are some compelling InsurTech maturity indicators seen in the media this week: Publication of articles discussing more mainstream concerns for […]

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FinFit at the forefront of the financial literacy dilemma

The world is waking up to the fact a vast swathe of the generation coming through are in dire financial straits. This has significant implications on society at large. Poor financial knowledge leads to poor financial habits, which ultimately leads to poor life decisions, at crucial junctures. So how do we address this? While many […]

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Convergence as a trend in the re-bundling phase of financial services

There is ample evidence that 3 is a magic number. It dates back to the old times and is well captured in the Latin phrase[i] Omne Trium Perfectum  – everything that comes in 3s is perfect. I bring this up not only because I chose to provide three examples in my post today but also […]

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