angela strange

@astrange

General Partner (FinTech) , proud Canadian, mom, distance runner (@ increasingly slower paces!); Previous: product leader

San Francisco, CA
Vrijeme pridruživanja: veljača 2007.

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  1. Prikvačeni tweet
    21. sij

    1) My presentation @ our annual Summit this year The "Amazon Web Services" era has arrived for financial services. Who benefits most? Consumers! -> more choice, better & more affordable products, regardless of geography or socioeconomic demographic

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  2. 2. velj

    Great to talk with on on why so many companies are trying to better serve (and monetize) their customers with financial services. And specifically - Why Now?

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  3. 21. sij

    6) Over the next 5-10 years we will continue to see the launch/growth of new FinTech companies. Incumbents will improve; Brands we already love will launch new financial products. Financial service products will be affordable and accessible to everyone & we may even love them:)

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  4. 21. sij

    5) And the "as a service" infrastructure will keep getting better! We'll see the rise of more companies like , which helps combat synthetic fraud. That means FinTech founders will be able to focus on bringing their unique idea to market, not on rebuilding infrastructure

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  5. 21. sij

    4) Both consumer and B2B companies have the opportunity to better serve customers, better retain customers, and drive more LTV with the addition of financial services (e.g., Lyft via driver bank accounts or Toast via restaurant financing)

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  6. 21. sij

    3) It will become easier to launch a FinTech company and easier for existing institutions to improve (finally!). Most significantly -- In the not-too-distant future, I believe nearly every company will derive a significant portion of their revenue from financial services.

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  7. 21. sij

    2) Similar to what AWS did for compute and storage, new infrastructure companies are rebuilding each layer of the banking stack and providing modern software “as a service.” Thus, the cost and complexity of building or adding financial services is coming down.

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  8. proslijedio/la je Tweet
    17. sij

    Congrats to and the whole world-class team. I was waiting to find the perfect GIF and I found it!

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  9. 10. sij
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  10. proslijedio/la je Tweet
    26. pro 2019.

    This coming decade will see a *massive* compression of this profit pool for banks as “robo-advisors” for debt — possibly built into the digital wallet — automatically refinance consumer debt to the lowest possible rate. Inertia and friction have maintained this biz for too long.

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  11. proslijedio/la je Tweet
    25. stu 2019.

    The fintech newsletter is out! This month: -Those smug boomers? Less financially secure than you think -Why Apple + Google *don't* want to be a banks -Will zero-fee trading pay off? & more by +

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  12. 22. stu 2019.

    The biggest shift happening in fintech is that it's going EVERYwhere. *any* company can offer financial services.Ridesharing co's w bank accounts for drivers is just the beginning...think of your favorite brand -- could they be your future bank?(It's already started, with Apple.)

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  13. 21. stu 2019.

    6) It shouldn’t be expensive to be poor. When fintech enables more people to plug into better financial services and participate in the economy, everyone wins.

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  14. 21. stu 2019.

    5) Exponentially better products serving a customer base with very few (or very expensive) existing options, are likely to be adopted faster (eg spread by referral) & have higher retention. The lower customer acquisition cost becomes a competitive advantage.

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  15. 21. stu 2019.

    4) Entrepreneurs from diverse backgrounds are better equipped to build products that meet a more diverse set of customer needs. Who better to build fintech for the 40+ million people on the Electronic Benefit Transfer program, for example, than a team that grew up on the program?

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  16. 21. stu 2019.

    3) This rapid change is being powered by new infrastructure companies. In stark contrast to the traditionally cumbersome, years-long process of partnering with legacy tech, these new fintech companies provide modern APIs as financial services building blocks.

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  17. 21. stu 2019.

    2) What's unique about this disruption is that, rather than a single winner and many losers, all players stand to benefit. Incumbents will improve, it'll become faster to launch startups, and new brands that have nothing to do with financial services could become your bank!

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  18. 21. stu 2019.

    1) People hating banks is old news. It’s more interesting to look at root causes for the inertia. And more importantly, why is the centuries-old banking industry changing so suddenly? New post: Why our most hated institutions will become our most beloved

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  19. 13. stu 2019.

    A continued demonstration of vertical SaaS companies monetizing via Fintech by Toast POS. First payments, now loans. Where in addition to having already acquired the restaurant customer (usually high cost for lending cos!), Toast has better data.

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  20. 13. stu 2019.

    Google enters banking in the US with planned checking accounts via Citi/Stanford Credit Union. They will need a “hook” to get consumers to switch - probably more than: “Hey Google, what’s my balance?” Any hypothesis?

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