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Read a great Reddit thread putting historical dates in perspective. Here are 8 gems. 1/ The moon landing was only 66 years after the Wright Brothers first flight (1903-1969). Within a lifetime, humans went from having limited flight tech to travelling ~239k miles from Earth.

Though existing financial businesses have similar tools at their disposal, BNPL companies’ incentives directly align with this future: they justify themselves only so much as they increase conversion above the status quo. Spurred by competition, that mission may lead exponents to pursue a more invasive relationship and dig deeper.

The key difference between Consumer to Manufacturer and other relationships (e.g. Manufacturer to Consumer) is the initiator of demand. Instead of simply fulfilling a sale one at a time, it helps manufacturers get real-time inbound feedback for demand of a specific customized product. This feedback is community driven, grown by the community, with ... See more

To take the most famous example, the root of Facebook's churn issues began when their graph burgeoned to encompass everyone in one's life. As noted above, just because we are friends with someone doesn't mean we want to see everything they post about in our News Feed. In the other direction, having many more people from all spheres of our lives fol... See more

— Jayvee Nava, VP of Community at Peloton