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
Refusing to Charge for Value Is Doing Charity With VC Money
“If we choose to not charge for things where we transparently and with the customer and where we believe we're adding value to the customer, if we choose to not charge it, and we see that as somehow being a mission thing to do, it's effectively saying I'm doing…”
TS Anil: Incumbent Banks Will Never Successfully Reinvent Themselves
“The legacy players were never going to fix it. For the, with the best of intent and the best of wanting to do it was never gonna get fixed by incumbents, right? And the history of incumbents transforming their industries is anyways very, very sketchy. And for …”
TS Anil: Early Regulatory Compliance Creates a Competitive Moat for Fintechs
“We know that getting it right actually creates a moat around our business in a very, very important way.”
TS Anil: A Mission Without a Business Plan Is a Bumper Sticker
“A mission without a business plan is a bumper sticker.”
Neobanks Can Match Main-Bank ARPU Through High-Value Secondary Products
“You can get that same ARPU, even if someone's not using you as the main bank, but takes out another bigger product from you can get similar ARPUs.”
Fast-Scaling Regulated Companies Must Prevent Compliance Controls Debt
“When a company's scaling as fast as we were, you need to make sure that, again, back to the point about a regulated industry, that the controls scale alongside as well, and you don't want to pick up debt on the control side.”
Full-Wallet Digital Banking Products Create Cycle-Resistant Revenue Streams
“When we're building a product that is about meeting all the needs that your wallet has, it's by definition going to be a diversified revenues, which by the way is a high quality business model because it's not, it isn't hostage to, you know, economic cycles an…”
Credit Products Are the Primary Customer Hook in the US Market
“No, I don't think so. It's a very credit hungry market. And it's a market where a lot of people have been trained to apply for credit, and that's the hook product.”
Regulated Fintechs Face a Smaller Operational Transition When Going Public
“One is, you know, we already know how to operate in a highly regulated context. So the gap between a tech company like us versus another tech company that just doesn't have to deal with scrutiny it's pretty wide. So we're, the gap for us from here to becoming …”