Is a European consumer credit model coming to the US via ecommerce?

If you are a retail customer in most European countries, you are quite familiar with this sight: Selling credit or selling televisions? If you are from the US or the UK, chances are this will not be a recognizable image. There is a fundamental difference in the way retail consumer credit is built and distributed […]

2016 and beyond in fintech: a few thoughts

Looking at 2016 with the experience of the past 7 years in financial services. it will be a pivotal year for financial services. In many ways we are coming to the end of a phase, that started with the world‘s the most important financial crisis since 1929. The FED hike is upon us, after having […]

Discussing Machine Learning and Financial Services

It feels like fear around artificial intelligence is slightly receding and that the discussion has evolved toward what it can actually do now and its application in the current crop of technology companies. I, for one, welcome this new step in Machiavellianism from our machine overlords, well played, well played…. Robot pretending not to be […]

Eris Industries Launches Eris 0.10

Late last year, Anthemis invested in Eris Industries. Eris was known in the Bitcoin world for having worked on DOUG, a smart contract based replacement for the Bitcoin foundation (still an interesting concept in these Bitcoin governance days). We were attracted by the quality of the team and their vision. See my blog post at […]

Musings on Full Stack Financial Services startups

(This post has been long in the making). One of the posts that sparked my interest in the last months is a post by Chris Dixon, Full Stacked Startups. In it, Chris highlights several startups such as Nest, Uber, Tesla, Warby Parker as companies that have gone after the market as full-fledged businesses instead stacking […]

Smart Commerce will only succeed with Smart Banking

Bill Ready had a great post at PandoDaily on the growing importance of smart mobile driven commerce. In my view this is one side of the equation of the future of commerce, the other side being the creation of smart banking services. Using Bill’s example: I book a flight to San Francisco, my financial service app warns me that […]

Braintree takes Venmo Touch international with AMEX > what it means for credit

With Simple and now AMEX on board as preferred marketing partners in the US and UK, expect Braintree to follow a similar playbook in future markets. There also could be some significant competition in these initial two markets from other payment card companies (Visa, Mastercard, Discover, etc.) seeking to get their cards installed into Venmo’s […]

Tradeshift’s Christian Lanng on Capital8, Financing, and Supplier Adoption « Spend Matters

Finally, the last parameter is funding cost, for supplier financing. This is important because Tradeshift already has very advanced semantic analyses of content (this is in fact how we build CloudScan). We use this to give CapitalAid and other financing parties access to a proprietary risk model to gauge factoring risk. A lot of material […]

3615, L’arrivée d’internet dans le monde de la finance – [French]

Sean Park and myself had the chance to be invited to the swiss radio show 36 15: http://www.facebook.com/3615emission to speak Finance innovation and startups.     While recorded in the English speaking swiss radio, it is in French only (well frenglish …)

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