The traditional Payments Stack is the product of decades of technological and business model innovation (BMi). Over the last decade+, we have seen a slew of ‘disruptors’ enter the Payments industry, including (but not limited… Read More »Alternative Payments Business Model
Avon was an iconic brand in its era. The Direct Selling beauty retailer was famous among women for its enterprising approach to sales, enabling women to sell various lines of cosmetics to their peers and… Read More »Avon Business Model + Social Selling
The war for Ad Revenues is heating up and Apple (Ticker: AAPL) is entering into the ring in a big way. The recent iOS 14 Privacy Update has dinged competitors Meta (Facebook) and Google, and… Read More »Strategy – Apple Search Ads
Did digital kill the audio star? Maybe. Could micropayments help musicians find more viable revenue streams in the future? Definitely. But we will need some Vision in relation to the Business Model in order to… Read More »Digital Music Business Model
The early Twitter business model shift has sparked the conversation of who owns what on social. In the old (free) model, you are the product because advertisers make the rules. In the new (subscription) model,… Read More »New Media Business Model
With Twitter on the cusp of major changes, one of the original Twitter (+Square) founders Jack Dorsey has put the building blocks in place for a “decentralized Twitter.” The Bluesky Vision blends Twitter (social) with… Read More »Bluesky Business Model
No longer is $TWTR a valid Ticker on the public markets. As of yesterday, Elon Musk has taken Twitter private. (KaboomPics thumb) Below is a ‘Business Model Vision’ based on where the company ends its… Read More »Twitter Business Model
One could be forgiven for doing a double-take at the idea of ‘Blockchain Banking.’ Effectively take your money, put it into some combo of Bitcoin, stable coins (pegged to fiat) and other ‘digital assets’ and… Read More »Blockchain Banking – Bitcoin & Stable Coins
Who will win the epic future-of-banking battle over the long term? Innovation is happening across Fintech, Blockchain and certain other ‘edge cases,’ which will open the door to new business model defined as the ‘Future… Read More »Future Banking Business Model
Spotify built its core business model around Subscribers who wanted a better experience and selection when listening to music. Now they are becoming all things audio (podcasts, etc.), which is why we dig into the… Read More »Business Model Innovation – Spotify Audio Ads