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Software is eating the markets. Flush with cash and empowered by new tech platforms that blur the lines between investment, experience, entertainment, and digital assets, a segment of consumer investors are shifting money from consumption to investment. Consumer investors expect different things from their investments than professionals do and valu... See more

Interestingly though, neobanks still use one very traditional banking element: physical cards.

The second-greatest accretion of stakeholder value in business, behind Amazon’s entry into healthcare, will be big (and some small) tech firms partnering with a world class university to offer 80% of a traditional four-year degree for 50% of the price.

3. An email client is no monkey work

We are extrapolating machines in a world where nothing too good or too bad lasts indefinitely.  When you’re in the middle of a powerful trend it’s difficult to imagine a force strong enough to turn things the other way.

Current bill payment APIs from companies like Fiserv leave a lot to be desired. Add that to the fact that existing banking apps (from the big players, at least) are badly designed and unpleasant to use. It doesn't have to be that way. In fact, with the right design, bill payment could be delightful. You could gamify the process, building a rewards ... See more

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