Mental Models

Bretton Woods set the stage for the US dollar to become the world’s reserve currency. Today, 79% of all transactions of any kind globally are conducted in US dollars. ThisContinue readingDollar shortages

“I have not doubted for a single moment that you are Buddha, that you have reached the goal, the highest goal towards which so many thousands of Brahmans and sonsContinue readingThere are no prescriptions

The fundamental first-principled truths are, more often than not, in complete opposition to conventional wisdom. The world often works the exact opposite way than what we think. Hard choices, easyContinue readingThe Paradox of Truth

Experience is merely the name men gave to their mistakes – Oscare Wilde This is an ever-growing list of the truths, blueprints, contradictions, paradoxes  I’ve learnt from building products, teamsContinue readingHow to start a startup

Software and the internet create winner takes all or most market dynamics. Through zero variable costs, collapsing fixed costs, network effects, data and aggregation it creates one (or two) largeContinue readingHow the internet shapes companies, industries and market dynamics

Bales of hay loaded on to a wagon on Wellshot Station, 1937 Haymaking at Wellshot Station, 1937. Source: Wikipedia Commons There are only two ways to make money in software.Continue readingThe great bundling in consumer FinTech

Sustaining innovation, regulation and entrenched business models are resulting in lower-cost digital offerings. This has benefited the consumer and helped thousands budget, save and invest better. Yet, so far theContinue readingDoes consumer FinTech need saving from itself?

Whoever has will be given more, and he will have an abundance. Whoever does not have, even what he has will be taken away from him – Matthew 13:12 SoftwareContinue readingThe Disruption Theory of Bifurcation

The investment and banking industries are going through a fundamental change. If you pick up the FT daily there is some article about how FinTech is challenging the incumbents andContinue readingThe 5 horsemen driving Financial Services in 2015