Can a Disruptor grow 10x faster than an Incumbent ?

Can a Disruptor grow 10x faster than an Incumbent ?

How quickly can Disruptive Innovation revolutionise existing industries ? For many reasons, I think that finance will be drastically different in 10 years, but what can actually happen over a 10-year period ? Let’s try to be systematic, and since I use a very simple framework to look at startups, let’s use the same approach(…)

Where is the stock market going ?

Where is the stock market going ?

If you remember my previous post about the opportunities in Fintech, I used a graph to show that there is a risk for markets to go down – and therefore to adopt a certain investment strategy in Fintech. Disruptive Finance is a blog about the impact of technology on finance – and not a blog(…)

Should you invest in Fintech ?

Should you invest in Fintech ?

One of the questions that often comes back when I talk about Disruptive Finance and Fintech is “What is the opportunity in Disruptive Finance ? “.  This is clearly a question I’m also very interested in, and this article summarises my main thoughts. Before answering the question, I think we should actually rephrase it. There(…)

What is the market size of peer to peer finance ?

What is the market size of peer to peer finance ?

“Peer-to-peer lending is growing fast in many countries. In Britain, loan volumes are doubling every six months.” (The Economist, March 1st, 2014) Peer to peer finance, i.e. p2p lending to consumers, p2p lending to businesses and crowdfunding, is definitely growing very quickly, and is attracting a lot of attention – from the finance industry, but(…)

What is the value of Bitcoin ?

What is the value of Bitcoin ?

Bitcoin is definitely not leaving people indifferent. Some say it’s an out of nowhere Ponzi scheme created by anti-system fanatics who want to revolutionize our world. Others see it as the foundation of a new monetary world where Central Banks will not be needed anymore and money will be controlled by the people. In my(…)

Will peer-to-peer lending revolutionize lending ?

Will peer-to-peer lending revolutionize lending ?

“Hopefully, the growth of peer-to-peer lenders and those involved in crowd-funding will help solve the problems we have with lending for small and medium enterprises..” (Andrew Haldane, Bank of England, 2012). It is certainly very rare to have such an endorsement from a Central Bank about a financial innovation. P2p lending certainly has a lot(…)