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 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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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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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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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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When the first wave of Fintech got rolling after the 2008 financial crisis, the idea of taking on the financial establishment was only a gleam in the eye of the wildest futurists. One Bitcoin was worth small fractions of a US dollar and reaching parity was a massive future milestone that few thought would happen.…
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Fintech 50 Index is 50 publicly traded Fintech stocks ranked by market cap and has been incubated within Daily Fintech, the leading site for Fintech, Crypto and Insurtech trends & analysis. Robinhood went for a traditional IPO (Initial Public Offering) vs the DPO (Direct Public Offering) chosen by Coinbase in their 14 April public stock…
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Today is 3 months from when Coinbase went public and we released the first version of our Fintech 50 Index. The most controversial entry in our Fintech 50 Index was Goldman Sachs (GS) which we classed as Fintech because Goldman Sachs is a Fin that is so smart about Tech that they are almost Fintech. I…
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Coinbase Market Cap was listed incorrectly and all major news sources reported this bad data as fact. Bear with me while I go a bit nerdy to explain how and why all these trusted sources got it so badly wrong. $25 billion difference is a big mistake. This is NOT about the trading price per share.…
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We are in the crypto-in a-suit bull market, epitomised by Coinbase going public and joining the Fintech 50 Index last week. A suit is the uniform of corporate life but we are not defined by our uniform. Years ago, during a crypto bear market I was at a conference of legacy finance folks. I was…
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