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acquisitiondigital lendingdigital transformationfinancial advisorsInvestingneobankroboadvisor
·May. 18, 2020

Goldman is trying to build a Fintech powerhouse, and this is how they should do it

This week, we put on the Goldman hat and go shopping for companies. We buy a little bit of Folio and sell some Motif. We look at Personal Capital and the $1 billion it wants for its $12 billion of assets. We examine the private markets with Addepar / iCapital and SharesPost / Forge, and then move over to the banking sector. Should we buy Wells Fargo, as rumored, or some digital wallet apps? Read on for how to acquire a best-in-class Fintech.

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asset managementInvestingneobankroboadvisor
·Feb. 12, 2021

How M1 Finance’s $3B AUM super-app is outcompeting Wealthfront, Robinhood, and Schwab, with CEO Brian Barnes

In this conversation, we talk with Brian Barnes of M1 Finance, about finance “super apps”, the cost-efficiencies of robo-advisors, fractionalized share trading, and tackling the titans of the Wealth Management industry. We also discuss the nuts and bolts of the financial infrastructure making this possible.

M1 Finance bundles together roboadvisory, neobanking and lending into a single “super app”, allowing for combined pricing power (i.e., charging nothing on asset allocation). The firm currently has $3 billion in AUM, a growth of 50% in the past four months and tripling their total in just over a year. Notably, the company has its own broker/dealer and offers fractional shares, and partners with Lincoln Savings bank on the deposit accounts. That makes for a compelling business model from securities lending, interchange, and order flow.

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digital lendingeCommerceInvestingneobankroboadvisor
·May. 29, 2020

Brex Raises Again, Shopify Launches Bank Accounts and M&A Ideas for Goldman

Welcome back to the Fintech Blueprint / Rebank podcast series hosted by Will Beeson and Lex Sokolin. In this episode, we talk through a few recent events that are indicative of the Fintech world right now. Brex raised an additional $150 million at a slightly improved valuation vs. its last round just as Monzo is reportedly looking at a 40% down round. Why? Shopify launched bank accounts for its merchants and announced the Shop app, basically an Amazon competitor plus Klarna, just as it worked with Facebook to support the launch of Facebook Shops and joined the Libra Association. Lots going on. Lastly, we discuss why Goldman’s M&A activity over the past couple years leads to the natural conclusion that they should buy Schwab.

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digital lendingdigital securities / STOneobank
·Aug. 17, 2020

How Monzo, Revolut, and Starling get to break-even, and comparison with WeChat and Facebook

This week, we look at:

  • The financial model behind Monzo, and comparisons to Revolut and Starling

  • How the Eastern super apps inspired the marketplace model, and why that success is hard for neobanks to replicate

  • Paths from losing $100 million per year to break-even and enabling digital assets and other financial products

  • Facebook Financial forming to take over payments and commerce

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IPO / SPACneobankpaytechventure capital
·Feb. 15, 2021

How $12 Billion in Fintech SPAC capital is teaching us about the economics of target unicorns like Payoneer, Apex, SoFi, and MoneyLion

This week, we look at:

  • The $12 billion in cumulative SPAC capital focused on Fintech, of which $3.6 billion has been raised in 2021 Q1 alone

  • Analysis of the private and public financial services markets and their valuations of profitability and revenue

  • A deeper look at the fundamentals and business mix of SPAC targets MoneyLion, Payoneer, Apex Clearing, and SoFi

  • Not everything that glitters is gold

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big techdigital lendingneobankpaytechSocial / Community
·Sep. 20, 2021

Unlocking Demand-side growth with Square’s payment network and Goldman’s GreenSky acquisition

Square upgrades Cash App into a payment processing powerhouse, completing the loop between the consumer and merchant side of the house. Goldman Sachs acquires GreenSky, adding a lending business at the point of intent. This analysis connects these symptoms into a framework explaining the increasing integration between commerce and finance, and the increasing role that demand generation plays. That in turn explains how the attention and creator economies interconnect with financial services.

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big techdigital transformationneobank
·Aug. 10, 2020

Google banking shows that tech giants are the storefront for everything, and other distributors will fade away

The tech companies will become the storefront to absolutely everything.

There is no Internet, there is only Google.

There is no commerce, there is only Amazon.

There is no finance, there is only WeChat / Tencent?

I don't know about you, but I cannot pay for anything in cash in London anymore. COVID has made the city go cashless. For China, QR codes have long replaced the need for paper money. And if there is no cash, what is the point of ATMs, and ATM fees, and bank branches, and bank branch staff? Financial firms no longer need to be the place where you shop for financial product.

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IPO / SPACneobanksuper app
·Apr. 19, 2021

Grab’s $40 billion SPAC in the context of Uber’s borked neobank, Apple’s iOS, and Ant Financial’s superapp

This week, we look at:

  • The economics of Southeast Asia’s largest super-app and its $40 billion SPAC valuation

  • The industrial logic of building out financial features adjacent to the core business of transportation and delivery

  • Why this model has not worked for Uber, but has worked for Apple, and the broader impact on financial services.

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eCommerceneobankpaytech
·Jun. 5, 2020

Cash App, Venmo, Digital Wallets and Challenger Banks with ARK Invest

Welcome back to the Fintech Blueprint / Rebank podcast series hosted by Will Beeson and Lex Sokolin. Max Friedrich is a fintech analyst a ARK Invest, a public markets investment manager focused on disruptive technologies including autonomous tech, robotics, fintech, genomics and next generation internet. Max recently published a report on digital wallets, including Venmo and Square’s Cash App, which is available for download on ARK’s website. In this conversation, we explain why Cash App has seen exponential growth.

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digital transformationneobankventure capital
·May. 5, 2020

Inside The Decision to Shutter Moven’s B2C Business, with Brett King

Today we're joined by Brett King, founder and executive chairman of Moven, one of the world's original digital banks, and Lex Sokolin, global head of fintech at ConsenSys. Lex and I discussed Moven's recent announcement to shutter its B2C business on episode 170 of Rebank. And we're happy to have the opportunity to connect with Brett directly to discuss the decision in more detail.

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