Carrying on from my last post on the revenue side of Buy-now-pay-later giant Affirm's business model, I want to cover the cost side of the equation. Now I know that no one is interested in the expense side of the P&L (especially in Silicon Valley...
Buy Now Pay Later BNPL is fast gaining prominence in the world of Fintechs in the Middle East. It is a phenomenon that has been over eight years in the making in its new avatar (Klarna/ Affirm). It originates from the Layaway /Khata concept popular i...
Small Business Insurance is not usually an exciting area to do business in. Incumbent insurers do not have a good understanding of the small business risks. Perhaps it is because of lack of good underwriting data in this domain. Usually incumbent ins...
Fintechs each have a different business model. These are pre-pandemic numbers and do not include the spike in numbers that some fintechs such as Robinhood have enjoyed. Some are Payment processors, and others are neo banks. Stripe has a B2B business...
Selecting the right health plan is important!
While I am #stayinghome, I have been digging into digital wallets. The adoption of these digital wallets and payments will probably accelerate in the next few years.PayPal is a "standard" digital wallet and one of the first fintechs- I remember getti...
What is common to digital banks- Revolut and Monzo?
In many cities, the #lockdown is being lifted, and businesses are opening up. I got a text message from a DIY furniture brand in Dubai, telling me that their second outlet is open for business. The text contained nothing about the #Covid-19 or anythi...
Insurance predictions: 2020 and beyond
