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PAYG’s defining characteristic is the alignment of cost and value. PAYG companies charge customers for only what they use, which means customers pay for only what they need. In favorable market conditions, this can be a boon, as PAYG companies are set up to quickly capture increases in activity. This alignment is more worrisome in a down market bec... See more

One’s profession will be a portfolio of projects, whether you’re a designer, engineer, sales person, or investor. The idea of “exclusivity” in an offer letter will be laughable faster than we think.

Kids are used to teachers having the answer, but in this method, the simulations have no right answers

Our tastes are ever more niche. We gravitate towards communities and brands, or both, that cater to our niche tastes. Tracksmith, Telfar, Crown Affair or FatherFoods are some of the examples. In this micro-taste communities’ landscape, mass fashion brands come across as too generic and superficial. The winning growth strategy instead is to go deep ... See more

The calling for this new internet has never been more dire. As you're reading this, machine learning algorithms are being trained on the billions of gallons of bullshit we spew online each day.

AI-powered document editors, then, among other tools, use all that training data to make it even easier to write outcome-oriented garbage that moves us furt... See more

If you’re issuing cards or building a neobank, a subtle but important choice to make is who you partner with as an issuing bank.[1] The bank is a critical part of the banking as a service ecosystem. Roughly speaking, you as the neobank play the marketing and customer facing role, the banking-as-a-service partner you work with plays the technical in... See more