In an episode of the Fintech Takes podcast, Frank Rotman (Chief Investment Officer at QED Investors) observed that the stock market has become a game disconnected from reality: When you buy a stock, you are buying ownership in the future cash flows of that business. Companies publicly report their financial performance once a quarter, but…

I finally managed to catch up on some overdue fintech reading this week, and, knowing that you (like me) likely have less free time than you’d like, I thought I’d share my CliffsNotes from the two reports I read, in the hopes that I might be able to entice you to carve out some time…

My philosophy for personal security is centered around access control. If I keep my doors and windows locked, especially when I’m not at home, I generally feel like all of my stuff will be safe. My sons, who are five and three, have a very different philosophy. They watch their stuff. They watch it very,…

Here’s a very rough model for how B2C financial services works today: Banks provide banking products and services to consumers. A small (but growing) portion of banks provide banking-as-a-service capabilities to fintech companies. Fintech companies provide slightly better banking products and services to consumers. Banks provide co-brand and white-label banking products and services to non-finance…