“Challenger Banks” Challenges — The Business Model

“Challenger Banks” are financial services and technology startups that are offering (mostly) retail banking services to consumers, attempting to replace the more traditional incumbent banks that most “banked” people use today. They attempt to capitalize on general discontent with banks (bad customer service, high fees, shady business practices, no lending, horrendous business processes), and on […]

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Fintech Disruption?

I have been talking about Moven for a while now on the conference circuit, to an audience that included bankers and investors in fintech. Here are my main talking points, in a more elaborate version than what I say on stage, where time slots are tighter. What is Moven? Moven is a “fintech” “neo-bank” early […]

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Do Cool S*it

I’ve been reading recently an interview with one of the big banks CEO, saying, essentially, that fintech startups have no chance of success, as banks have both the resources and the know-how to change themselves, flawlessly execute their digital transformation plans, and leave all startups eating dust. Of course he is right, as it is […]

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A Dynamic World

Every now and then I receive an email from a recruiter who has seen a particular keyword in my Linkedin profile and is offering me the “opportunity” to talk with a company that is looking for that skill. Not really reading my profile, not understanding my career progression, just the simplest rule of all: if […]

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Focus on Moven

A word I constantly hear these days is “focus”. It comes in many forms, from advisors insisting the company should focus on this or that aspect of the business, from experts that have focused their career on a narrow field, to behavioral experts explaining that multitasking is “killing our brains” and we should focus on […]

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Back to the (Fintech) Future

Another Career Switch I have spent three years of my life as a venture capital investor, talking with over a thousand fintech startup teams, looking for outstanding teams, excellent ideas, and good enough execution – in this order. My previous experience as entrepreneur, software executive, and internal innovation promoter has helped – many times too […]

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The New Age of Algorithms

I come from an engineering background, for me computers were, for a long time, calculators, a tool to perform either complex calculations, or on large data sets. Otherwise a handheld calculator – standard in my university years – would have been more than enough. Computers were expensive, data entry was a pain, and output was […]

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