Asiff HirjiOvjeren akaunt

@AsiffHirji

Founder, investor, operator, engineer, father, husband, sports fan, trying to figure it out. President Figure, Ex Pres Coinbase & AMTD; Ex Partner a16z & TPG

San Francisco, CA
Vrijeme pridruživanja: siječanj 2012.

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  1. Prikvačeni tweet

    1/ Have been spending time with a number of fintech companies recently and I worry many of them have an overly optimistic view of their industry

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  2. 1. velj

    This is a classic Ponzi scheme because social security relies entirely on contributions from current workers to pay for those on benefit. It does not do anything rational like invest for increased returns etc and so is inherently unsustainable

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  3. 1. velj

    WSJ "On this day in 1940, the first Social Security check was issued...Ms. Fuller had paid $24.75 in Social Security taxes but her initial monthly check was $22.54...by the time she died Ms. Fuller had collected $22,888.92 (nearly 1,000 times what she paid in)."

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  4. 30. sij

    Crypto will crash the costs of financial services and thus expand access for all. is one of the very few companies are actually turning that promise into a reality

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  5. 22. sij

    Sad day. Thank you for the countless laughs, the thought provoking scenes and the memories. Just one more cracker...

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  6. 21. sij
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  7. 19. sij

    “If New York, San Francisco and San Jose relaxed planning rules America’s gdp would be 4% higher”. The bureaucrats, politicians and NIMBYs are killing our economy

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  8. 16. sij

    Democratic candidates talk about cancelling student debt and, unsurprisingly, student loan repayments essentially stop. Moral hazard that penalizes all the responsible student loan borrowers

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  9. 14. sij

    Visa is one of the few legacy fin tech companies that understands the nature of the change coming. They started as the connection between merchants and banks and have realized they need to be the connection between consumers and financial apps

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  10. My guess is Scotland becomes independent, Ireland reunifies and a much weakened England and Wales are left outside the EU. The electorate accomplishes what Hitler and Napoleon could not - the destruction of the UK

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  11. Seems fitting that the outcome of the UK election will be known on Friday the 13th

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  12. Can't tell what is more ridiculous: that someone tapes a banana to a wall as art, that someone else buys it for $120K, that someone else eats the banana or that the artist and organizers state they can restore the piece. $120K into bitcoin would have been better

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  15. Visiting major crypto hedge fund and saw this being read by the engineers.

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  16. 10/ Most obvious recent example is the Apple Card. Do Apple Card customers know or care which financial institution provides the service?

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  17. 9/ The end game is the high engagement apps win and many financial service providers will become suppliers to them rather than directly acquiring customers

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  18. 8/ These high engagement apps realize they are better off bundling the financial services their customers need (disintermediation of the financial services provider) and customers increasingly realize they no longer have to go to specialists for financial service

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  19. 7/ Most of these advances came by incorporating new data sources (e.g. real time credit card sales for merchants) and behavioral information (GPS data on where and how you drive) - typically from high engagement consumer and enterprise apps

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  20. 6/ Fintech 2.0 went after other inefficient areas like student loans, investment management & SMB lending. It brought new opportunities like peer to peer lending, point of sale lending, micro savings/investment, salary advances, and even residential real estate as an asset class

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  21. 5/ Online lenders, online insurers and online brokers are obvious examples. The natural trend is continued fee compression until they ultimately hit 0 like online trading did recently

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