How can startups work with large banks?

How can startups work with large banks?

A piece I wrote for Financial News about the target market for startups, and whether they should target very large financial institutions: “This is a question that often comes back in fintech: what are the target customers for a start-up and should they go after the large banks, insurers, asset managers?…”

SoFi, a p2p lender to watch…

SoFi, a p2p lender to watch…

Lending Club and Prosper are the largest – and most well-known – p2p platforms in the US, but SoFi is certainly one of the most interesting. #119024681 / gettyimages.com   SoFi is a p2p platform based on a simple concept : get alumni of US universities to borrow from other alumni. This obviously facilitates credit(…)

Air France – why it’s so difficult for incumbents to evolve

Air France – why it’s so difficult for incumbents to evolve

I was reading the news about Air France, and it struck me that it was a good example of the challenges faced by an incumbent to evolve. The summary of the situation from Business Insider : ‘Interminable’ Air France strike enters second week Pilots are on strike in protest at Air France’s plans to develop(…)

What p2p lending can learn from traditional finance

What p2p lending can learn from traditional finance

Excerpt from an article I wrote in Financial News – which is quickly becoming a reference newspaper in Fintech and Disruptive Finance. “Disintermediation is a powerful trend that should not be underestimated – after five years, taxi app Uber and lodging website Airbnb have grown from zero to respective valuations of $20 billion and $10 billion.(…)

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(…)