Lenders will outlast online loan platforms

Founders building a business for the long-term (ie. 10+ years) will need to consider the disadvantages of platform models.

Digital lending is not a winner-takes-all business

Several entrepreneurs and investors have argued that a digital lending “winner will take all”. The evidence seems flimsy.

Earlier publications

Papers and studies I’ve written or co-authored, on topics including mobiles for financial services, branchless banking regulation, investment in microfinance, digital healthcare models, and others.

Plug-and-play digital finance?

What will small-mid sized banks, MFIs, credit unions etc. do when…

About this blog

An entrepreneur’s view of the frontiers of retail finance

“Man what a time to be alive
You and yours vs. me and mine” — Future, with Drake