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Downloads of challenger bank apps have declined from their pre-Covid levels.

Polina: If there’s one thing you can do right now to improve both your personal and professional life, it’s this: Eliminate absolute statements from your vocabulary. Absolute statements are those that assume an idea or a statement is absolutely, undeniably, 100% true. Words like “everyone,” “no one,” “never,” “always,” “love,” and “hate.” T his typ... See more

In this way, moral formation is not individual; it is relational. Character is not something you build sitting in a room thinking about the difference between right and wrong and about your own willpower. Character emerges from our commitments. If you want to inculcate character in someone else, teach them how to form commitments—temporary ones in ... See more

We publish all of our historical Investor Updates and Friday Forum meetings from 12+ months ago to give people an inside look at how we operate.

Advise governments on how to leapfrog the banking system. Africa is a noticeably large hole in the map, and one that Sqaure’s Jack Dorsey was planning on physically inhabiting himself until his board stopped him.

To move the needle on the KPI is the highest leverage thing you can be doing. It always comes in the form of tasks that involve talking to users and building, and iterating your product, nothing else. This is in direct contrast with fake startup progress which is when founders focus on things that are not directly related to growing your primary KP... See more

These modern suppliers are fundamentally democratizing the opportunity for anyone to build and scale. It’s, arguably, never been easier to start a software company. However, distribution and attention is the bottleneck for most companies.