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Displacement, Not Replacement
#BankLoyalty is strong. Ask the average Baby Boomer how long they’ve had the same bank account with their primary financial institution and 56% will tell you more than 21 years. Call it loyalty, call it inertia. Whatever it is, it makes it incredibly hard for start-ups and new companies to build scalable businesses and bring…
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Financial Services: Are we Missing the Forest for the Trees?
[Originally published in November 2019]. “What is the point of finance?” This question was asked to me by a curious seven-year-old after I had told him what I do for a living. I paused for a second, almost disturbed that I didn’t have an automatic answer… At its roots, finance is about the allocation of…
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Paper & Blocks 