NeoZachary

@zachary_neo

Start-up | Fintech Enthusiast

Vrijeme pridruživanja: listopad 2018.

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  1. 5. velj
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  2. proslijedio/la je Tweet
    1. velj

    Employers are using a venture-backed startup called to scan tweets posted AND LIKED by job candidates to “screen toxic workplace behavior.”

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  3. proslijedio/la je Tweet
    31. sij

    1/ Ever seen a company where customers loved the product but the company STILL failed? Over 10 years I’ve seen this way too many times. It’s caused me to question whether the importance product market fit is a myth. Check this out 👇

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  4. proslijedio/la je Tweet
    31. sij

    There's this old school thinking that we cannot be too nice to our maids. That we have to be strict and occasionally scold and discipline them or they would take advantage of you. I naively believed that too at one point. In recent years I've learned to change my thinking.

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  5. proslijedio/la je Tweet
    30. sij

    Kategori influencer. Ilmuan -Brother addien -Brother Aiman Amri -Dr.Zulkifli Al-Bakri Life -Hilal (i learn alot from him through his books masa belajar and even now) -Brother Aiman lagi sorang. Haha -Haze Shazz & abg dia Fun stuff -haze -shazz - Food -Foodhunter Travel -

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  6. proslijedio/la je Tweet
    27. sij

    A couple of notes on Employee Stock Option Plans (ESOP): 🗜️ESOPs are as much for your benefit as your VC: There are many ways VCs can hurt startups — this isn’t one of them 🍤 Startups shouldn’t skimp on ESOPs: This is the capital you use to recruit talent Let me expand: /1

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  7. proslijedio/la je Tweet
    29. sij

    Recent PM interview question I've been using: You're the PM at Netflix handling the home screen. How do you determine how shows get promoted editorially vs algorithmically recommended? Walk through metrics/principles/trade-offs and how it impacts various parts of the biz.

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  8. proslijedio/la je Tweet
    29. sij

    If a startup is thinking about building a growth team it shouldn't assume it needs one b/c a few high flying startups have one. It's a nuanced decision based on the business model and market type. Here's the nuanced approach that I use to decide if a growth team is appropriate...

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  9. proslijedio/la je Tweet
    29. sij

    What's the point with eWallets when you can use debit cards? With paywave its even faster. You'll earn some returns from your balance, however miniscule. If the answer is discounts etc, then it's just another unsustainable channel to lock your money in.

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  10. proslijedio/la je Tweet
    27. sij

    Good article on the history of yeesang, from its origin in the raw fish cuisine of ancient China, to its invention in Malaysia

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

    I wrote an 8k word doc on machine learning systems design. This covers: 1. Project setup 2. Data pipeline 3. Training & debugging 4. Serving with case studies, resources, and 27 exercises. This is the 1st draft so feedback is much needed. Thank you!

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  12. proslijedio/la je Tweet
    18. sij
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  13. proslijedio/la je Tweet
    17. sij

    Our very own crime scene investigation 😅 semuanya tengah khusyuk membuat penilaian masing masing. Adakah ini kes pembunuhan atau bunuh diri?

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  14. proslijedio/la je Tweet
    17. sij

    Fintech apps must have flawless execution on investing/trading parts of the product stack because handling of customer $$$ is the bedrock trust-building feature. Therefore, the MVP definition for building money in/money out features must be set high...

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    To reduce inequality, policy has shifted to set labour income share (LIS) targets. However, the LIS may not be a good indicator of income inequality, nor a good driver to reduce it. Read more in our paper:

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  16. 12. sij

    In conclusion, Digital Banking and Online Banking looks very similar on the surface, but they operate on vastly different business model and belief. Will incumbent bank stay, given that Digital Banking's model is superior? Let's leave this to another discussion.

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  17. 12. sij

    A Digital Bank would have a better grasp of my financial position and offer the deal even before I know I want it.

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  18. 12. sij

    One good personal example would be when I try to apply for a credit cards with incumbent banks, no one would go with me since my work was on a freelance basis. Never did they know that I have a good credit score in the US. Never did they ask for my assets or cashflow statement.

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  19. 12. sij

    In Online Banking where the business model is based on assets & liability, banks typically are profit & loss driven. That's why incumbent banks can't innovate as fast. Instead of the users, they care about themselves first. Hence, innovation is only incremental in nature.

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  20. 12. sij

    3) Digital bank runs on the Data-first business model. Most parts of the business are linked together, such that there is a direct & fast feedback loop to continually improve the product. Think about Tesla car.

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