Fintech Macro Part 2. Neobank consolidation phase will create a few huge winners 

During the Cambrian explosion phase, lots of Neobanks were funded. It was a period of high excitement, full of hopes and dreams. Cambrian explosion is usually followed by consolidation when: A. Lots of startups fail. For investors with a portfolio, this is difficult. For entrepreneurs, this is traumatic. B. A few startups make it to the […]

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Windsock Score for Lemonade ($LMND), a member of the Fintech 50 Index of publicly traded stocks.

Windsock Score is our qualitative rating of companies in the Fintech 50 Index. We expect investors to use this together with quantitive analysis. We call it Windsock because we are looking for both headwinds (strategic obstacles to growth) and tailwinds (strategically well positioned for growth). We start with Lemonade ($LMND), the only member of the  […]

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Can Neobanks persuade investors that they can generate enough profits without lending?

Neobanks (regulated digital only) are hot right now with 5 already in the Fintech 50 Index, many more lining up to IPO and top tier investors (including Warren Buffet in Nubank) going all in on private equities. However with the public equity market demanding profits again and with many Neobanks getting revenue without lending, the […]

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Big Tech use their balance sheet to get into Fintech #CME#Google #CBOE #Fintech50Index

The Press Release headline says: CME Group Signs 10-Year Partnership with Google Cloud to Transform Global Derivatives Markets Through Cloud Adoption The sub headline says: Google also makes $1B equity investment in CME Group CME is a behemoth in derivatives, ranked 10 by market cap in Fintech50Index, but legacy finance does not have a good […]

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Is Affirm ($AFRM) the growth star of Fintech 50 Index due to winning in the BNPL (Buy Now, Pay Later) market? 

Affirm is a publicly traded stock in the Fintech 50 Index that could be the winner in the BNPL (Buy Now, Pay Later) segment of the Fintech market. Affirm was not the first innovator in BNPL. That prize goes to Klarna which we first covered in 2014 (mentioning Affirm as a follower). The market winner […]

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