The Ledger
Every statement that passed quotation and attribution checks. Mix any filter with any other: certainty 1/5, debate potential 5/5, or both at once.
why aren't all 9 resolved? a statement only gets an assessment when the public record can support or contradict it. opinions and what-ifs never can, and 0 checkable ones are still open, waiting for their date. predictions held up or didn't; assertions are supported or contradicted. on every card: ▮▮▮▮▮ certainty · ▮▮▮▮▮ debate potential. speakers are clickable
Reses: Next Decade of Fintech Winners Will Focus on Expense Management
“And so, I see the next 10 years of interesting companies being developed around expenses, expense management, and then infrastructure as the second component.”
Reses: Feature-Based Consumer Fintechs Will Disappear Over Time
“And so I do think there are many consumer fintechs where I just don't see the differentiation in the product to truly stand the time or their features. They're not companies. And they should be integrated into other products that can help build LTV. Cause I do…”
Reses: Banks with concentrated customer bases will face panic deposit withdrawals
“And I do think those banks will start to see deposit pulls just out of panic, even if they have a very strong balance sheet.”
Reses: Incumbent Banks Focused Only on Cash Flow Will Fail
“If they decide that they just want to manage their business for cash flow, they will die a long-term death.”
Reses: Regulators will pull out all stops for weekend SVB deal
“The regulators are highly incented to get a buyer for this business this weekend, and so going back to oh eight, as the example, they're, they will pull out all the stops in order to get it to the Likely and best outcome possible for American insurers.”
Reses: Wave of Fintech Market Rationalization Is Coming for Weak Startups
“And given the increase in funding that happened, I think there's a 10 X increase in funding over the last few years, you will see the rationalizing of this market with companies that just haven't achieved product market fit.”
Reses: US Macroeconomic Environment Will Improve by End of 2024
“By the end of 2024, I think we'll be in a better place.”
Reses: VCs will start requiring treasury controls and multi-bank strategies from startups
“I think it'll change the dynamic for how people manage their deposits going forward. Like I would not be surprised going forward if when a venture backed company raises money that VCs don't demand that they take controls over where they put their funding, how …”
Reses: Depositors will shift capital to systemically important and regional banks
“I mean, I do think you'll see an orientation towards de-risking your deposit base and trying to orient towards systemically important banks or big regional banks like a PNC, and I do think that, that people will be oriented.”