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Every Company Will Spin Out a Fintech Company (August 2021 Fintech Newsletter)
This first appeared in the monthly a16z fintech newsletter. Subscribe to stay on top of the latest fintech news. TABLE OF CONTENTSEvery Company Will Spin Out a Fintech Company Behind every great...
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As More Workers Go Solo, the Software Stack Is the New Firm
Creator economy is a buzzy, often catchall term used to describe independent contractors. But in reality, most of the innovation has revolved around passion-project content (Substack for writing,...
View ArticleInvesting in Flock
Being a landlord sounds like a terrific thing, and it has been a powerful path to wealth creation for so many people for centuries. But there are two problems: It’s very hard to just “retire” — owning...
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Data: Asset Relativity (and the Case of Bay Area Housing) Updated (2022)
As we first shared in 2019, everything is relative — especially home prices in the Bay Area. These prices have continued to rise on an absolute basis over the last 12 years; the typical home in Palo...
View ArticleInvesting in Cygnvs
Cyber incidents have reached a crisis level over the past decade. In 2021, the U.S. saw 1,862 data compromises, affecting nearly 300 million people (a nearly 100% increase from five years ago)....
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The Future of Payments Is…Red?
Visa and Mastercard currently facilitate more than three-quarters of all credit card transactions in the United States, at a time when post-pandemic Americans are now using credit or debit cards for...
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Financial Services Will Embrace Generative AI Faster Than You Think
Artificial intelligence and machine learning have been used in the financial services industry for more than a decade, enabling enhancements that range from better underwriting to improved...
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BarbAIrians at the Gate: The Financial Opportunity of AI
Teldar Paper, Mr. Cromwell, Teldar Paper has 33 different vice presidents, each earning over 200 thousand dollars a year. Now, I have spent the last two months analyzing what all these guys do, and I...
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Foreign Exchange 101: What Happens When You Send Money Abroad?
An animated guide to the sticking points behind cross-border payments. $8 trillion moves between different currencies every single day. It’s the biggest market in the world. It’s about 30 times daily...
View ArticleAI’s Second Order Effects
Here’s a math puzzle: A good salesperson can sell 50 widgets a year, earns $100,000 a year, and will not take a pay cut. A company has an amazing new widget that needs to be sold (people will not find...
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