Strategy & Innovation

Strategy – Platform Dynamics

The more that business models shift online, the more the underlying economy is affected by ‘platform dynamics’ and the business model innovation (BMi) associated with those dynamics. Under…

While the payments revolution has no doubt reached the retail B2C sector, the same cannot be said about commercial B2B payments. Card payments make up a tiny portion of the whole, while cheques contin…

Business Model Innovation – BNPL (Buy-Now-Pay-Later)

Buy-Now-Pay-Later is an emergent layer in the Credit space, serving as a new way for consumers to pay for goods in the same way that they used to ‘layaway’ concept that was pioneered by de…

Business Model Canvas – Payments

Payments is a complex, fragmented, multi-trillion dollar industry that is currently in the throes of disruption. But behind it all is a business model, which is why we dive into the Business Model Can…

Business Modelling – ARPU, CAC, LTV

‘Business Modelling’ is a somewhat ambiguous term that could be framed in several different ways depending on the type and stage of business you are modelling. Here we look at Unit Economi…

Business Model Innovation – eGrocery

More than 20 years ago, a startup called Webvan raised more than $800 Million with the promise to revolutionize grocery delivery at the height of the Dot-Com Bubble. We all know how that story ended (…

Strategy & Business Model – N26 Brazil

German-based N26 came out of the gates strong in the early challenger banking days with its lifestyle-oriented brand. Since their red-hot days in late 2019, they have sputtered strategically, but are …

Strategy & Business Model – Afterpay Money

Australian-based Afterpay was one of the early pioneers in the BNPL (Buy-Now-Pay-Later) credit space, turning it into a $25 Billion+ sensation. Now the company is embarking on a strategy that shifts t…

Strategy & Business Model – Revolut Super App

Revolut was one of the high flyers in the early days of challenger banking. More recently, it is the Chimes, SoFis, and Nubanks that are stealing the spotlight. But the UK-based disruptor has shifted …

Business Model Canvas – Nubank

If one of the world’s most infamous old-school investors is investing in a challenger bank, then you know we are reaching an inflection point in the market. The intrigue of the newly-minted $30 …

Finance: IPO Democratization

In the complex world of investing, there are always fly-by-night trends trying to masquerade as movements to rope in retail investors. Mean reversion always separates the wheat from the chaff in the e…

Business Model Canvas – Robinhood

Thanks to meme stocks, Crypto Mania, and IPO democratization, Robinhood has been one disruptor that never ceases to be part of the Fintech news cycle these days. Since the company charges no commissio…

Business Modelling & Innovation

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