How the SaaS and fintech models are breaking down, why food delivery and dark kitchens provide an alternative model, and what the future of software may look like as a result| notes.mtb.xyz
Ghost markets seem real. They have an enormous TAM and a clear need for new solutions. So a wave of companies go after the opportunity, and then… it vanishes into thin air.| notes.mtb.xyz
Fintech infra and embedded fintech are so unique that much of the generalist fundraising advice out there doesn't apply to them. Here's what I've learned from many pitches for infra opportunities.| notes.mtb.xyz
The next big fintechs will win with novel distribution, not novel products. In the 2010s the biggest fintechs were product innovators. They closed the gap between the poor UX of traditional financial institutions and the great UX of digital-first products. They combined new tech, regulatory frameworks, and business models to create genuinely novel products: Chime’s branchless bank, Robinhood’s fun fee-free trading, innovative consumer credit products like Earnin’s earned-wage-access or ...| notes.mtb.xyz
This is part 1 of a 3-part series on Vertical ERPs (VERPs).| notes.mtb.xyz