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For example, what if N26 had dedicated cards for soccer fans, hip-hop enthusiasts and gamers? Instead of focusing on just one signaling audience, their total addressable market would massively increase.

And yet: as much as the Fediverse is different (the governing structures, the incentives, the moderation, the absence of ads and engagement tricks), so much of it is also unsettlingly familiar—the same small boxes, the same few buttons, the same mechanics of following and being followed. The same babbling, tumbling, rushing stream of thoughts. I... See more

The other thing we do that’s quite special, is at the beginning of the month we roll a dice. Why? To decide if we’re going to pay out a bonus. We payout when we roll the number six. One of the things that we teach people at Management 3.0 is that you pay out rewards unexpectedly because if you know when you’re going to get a bonus, some people tend... See more

And those who urge entrepreneurs to never give up? Charlatans. Sometimes you have to give up. Sometimes knowing when to give up, when to try something else, is genius. Giving up doesn’t mean stopping. Don’t ever stop. Luck plays a big role. Yes, I’d like to publicly acknowledge the power of luck. Athletes get lucky, poets get lucky, businesses get... See more

“Beginner = ignorant simplicity

Intermediate = functional complexity

Advanced = profound simplicity”

However we are now seeing the rise of “embedded fintech.” Rather than standalone applications, financial features are being embedded into all of the consumer and business applications that people are using already.