Fintech as Consumer Discretionary & Why It Matters One framework I have for thinking about fintech involves three simple categorizations: fintechs as financial institutions, fintechs as tech companies, and fintechs as consumer discretionary businesses. This framework is particularly useful for consumer & SMB fintech, but it can often be extended to B2B, too. Depending on the audience, market
Silicon Valley Bank and the Implications for National Currency I, many friends, our entire industry, and perhaps you are reeling from the rapid collapse of three US banks serving the broader tech & crypto sectors: Silicon Valley Bank, Silvergate and Signature. Much fantastic analysis has been done on the causes and impacts of the bank failures themselves, including some