Virgin Money Added to Fintech IPO Watch List
IPO Status: Teaser I track through 3 phases: – teaser = announced intent, little hard data to evaluate, just what PR wants to tell us. You cannot tease for too long, if no S-1 within 30 days I take...
View ArticleVirgin Money – challenger bank, full stack Fintech, or re-branded old bank?
Millenials want choice. Their parents might have been OK with the a few big old banks, but if you grow up with everything that you want being a click away, the world looks different. Virgin Money is...
View ArticleFidor Bank License As A Service model changes the Full Stack Bank Debate
This tweet by Marc Andreessen in February ignited a debate: @cdixon @JackGavigan @Kwdmiller @aweissman I am dying to fund a disruptive bank. Marc Andreessen (@pmarca) February 9, 2014 “Disruptive...
View ArticleFintech City Tour goes to China To Find Disrupters Getting Banking Licenses
The beauty of the digit express is that I can go wherever I want (“beam me up Scotty”). Using airplanes I would have gone from India to China. Instead I went from India to Amsterdam to China. “Bits...
View ArticleThe business model to replace fractional reserve banking will use Freemium
When you read the words “fractional reserve banking” you are often in for “the system is evil and Bitcoin is the revolution”. I promise you that this is not one of those posts. I do believe that the...
View ArticleFintech 1,000 Landscape Report: Programmable Bank
This Landscape Report could also be called Bank APIs. I like the name Programmable Bank because it resonates with Programmable Web. It implies a Mashup approach to system development. This is...
View ArticleThe Digital Wallet User Experience will have to pass the toothbrush test.
A digital wallet could be a commodity with maybe some branding and fashion – similar to physical wallets today. In this scenario, we will have thousands of digital wallets. Or a digital wallet could...
View ArticleWhy the Uber of banking Fintech model is a mirage
Pitches for “Uber of banking” ventures assume that you can leave the actual delivery to commoditized providers. This is a mirage. There are three different Fintech startup models in Consumer banking:...
View ArticleBranch closures will soon pass the Wile E Coyote moment
By Bernard Lunn To avoid the Blockbuster/Borders/HMV fate, there are only 3 possible strategies: Close them quickly – get the pain over quickly, reposition the bank, free up management bandwidth. The...
View ArticleHow to assemble a full stack bank in 5 steps without a license or a core system
By Bernard Lunn Image courtesy of Starling Bank This is like furniture that you assemble at home that comes with instructions that tell you that you will need: A great Customer Experience design...
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