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 […]

The battle for the POS is the battle for digitization of physical retail

The POS market has recently seen interesting transactions and announcements: First Data acquired Clover end of2013 and launched its Clover Point of Sales in 2014. First Data Quietly Buys Payments Startup Clover; Launches Point Of Sale Platform For Merchants Amazon acquired GoPago’s asset and team. Amazon Bought GoPago’s Mobile Payment Tech And Product/Engineering Team, DoubleBeam Bought The […]

Understanding a Bitcoin advocate

After an eventful last year, 2014 is starting with more debate and conversations around Bitcoin. It is often said that understanding Bitcoin is too technical for the average user (and at core it is, for a good summary of Bitcoin, this things the following is one of my favorite posts : http://brokenlibrarian.org/bitcoin/ ), but understanding Bitcoin […]

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 […]

Payment startups: thoughts on acquisition cost, payment processing cost and marketing services

With the cambrian explosion of payment startups, clones tackling mobile, NFC, QR codes, cryptography etc. it is quite a confusing market, especially when looking for the startups and companies that will shape the market. One possible framework to look at payment startups is to focus on the 2 main competitive  forces in the market in […]

Square: from Dongle to Domination

I had the opportunity to write an opinion/profile of Square for the SIBOS edition of Informilo: Here is the introduction and link to the full piece: “In 2008, glass blower James McKelvey was unable to complete a $2,ooo sale of his glassware because a customer could only pay by credit card. Frustrated, he discussed this […]

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