“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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Bootstrap If You Can

For an aspiring entrepreneur, there are many ways to learn about how to start a company, how to pitch to a VC, how to get funding. We used to survive without good books about the startup process itself, but now we have Steve Blank. And many entrepreneurs that were not at ease when dealing with […]

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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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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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Hiring for Insurance, or Potential?

The “job description” has achieved gospel status in the modern corporation, from startups to large multinationals. It lists tasks, responsibilities, competencies, skills, and anything else the hiring organization, through the hiring manager and HR specialist eyes, thinks is important to help filter and select candidates for a job. I refer to this hiring strategy, jokingly, […]

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The Startup CEO

There is no shortage of advice for startup CEOs, from books to blog posts, and an endless stream of online advice. The bigger the mainstream media buzz about startups, the better the chance of seeing almost every day something like “The 3 Most Important Characteristics of a Successful Startup CEO”. But I digress… I have […]

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