The Ledger
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Pathak: Legacy banks lack software skills to acquire digital customers efficiently
“Banks, in most cases, are not good at, like, building out new software interfaces and tools and for that reason, even if they blew up their marketing, it would be highly unlikely that they'd be able to get in a lot of these customers.”
Pathak: Modular banking infrastructure enables financial services for underserved populations
“Let's not try to make a new Simple. Let's just try to make a new Bancorp, with the idea being, if we can make the underlying infrastructure extremely more modular than it is today, it can accommodate for immigrants, it can accommodate for people who don't have…”
Pathak: Founder role transitions in fast-growing startups are sudden step functions
“When your company is growing very quickly, that switch is a step function. It's not a gradual switch. It doesn't give you a lot of time to be like, okay, I have about six months before I can improve on this. You have to quickly be able to change.”