Embedded Lending

All in all, real positional scarcity businesses take time to develop, especially loyalty businesses that are difficult to get off the ground before a retail or consumption environment is fully understood. But I’ll leave with this thought: as the mobile internet, e-commerce, and the transformation of retail continues onward, I think there’s an incre... See more

Ideally, the lending product would create: (1) A tech-enabled window into the creator’s business and (2) a repayment flow from the platform to the lender that mirrors the cash flows of the business. By building predictability into the unprecedented and de-risking the payback, a tech-enabled subscription platform may allow lenders to provide competi... See more

Brief: Banks are increasingly replaceable. "Embedded finance" makes it easy to deliver financial services in context. Over time, that may result in money gravitating towards influencer-run financial institutions. This could have significant ramifications for how society manages its surplus.