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 gears… Read More »Strategy & Business Model – Revolut Super App
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 Billion Nubank… Read More »Business Model Canvas – Nubank
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 end, which is… Read More »Finance – IPO Democratization
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. Understanding the strategy surrounding these dynamics becomes paramount.… Read More »Strategy – Platform Dynamics
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 continue to… Read More »Business Model Canvas – Brex Business Banking
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 commissions on trades,… Read More »Business Model Canvas – Robinhood Stock Trading
SoFi (Social Finance) was started in the post-GFC (Global Financial Crisis) era as a challenger model to the MegaBanks before the concept of challenger banks even existed. Now a multi-billion dollar public brand, we look… Read More »Business Model Canvas – SoFi (Social Finance)
As retail reinvents itself (New Retail) in real-time, there is a simultaneous battle happening at the checkout as BNPL (Buy Now, Pay Later) battle it out in the world’s biggest retail market, the USA. Retail… Read More »New Retail – BNPL (Buy Now Pay Later)
Founded in 2005, Swedish-based Klarna is the original BNPL (buy-now-pay-later) player. They are the biggest by volume in the world and are planning to IPO in the latter half of 2021. We dig into the… Read More »Business Model Canvas – Klarna
Affirm is another company to emerge from the Paypal mafia. Founded by Paypal co-founder and CTO Max Levchin in 2012, Affirm has come to the market with its BNPL (Buy-Now-Pay-Later) solution, but as we will… Read More »Business Model Canvas – Affirm