The hyperbolic bubble surrounding fintech has officially burst. Yet, its reverberations have not been spread equally. Consumer fintech, in particular, has borne the brunt of the burst. Within consumer fintech, pitching a tool for personal financial management (PFM) has become futile. …

After spending the start of my career as an interest rates trader at Morgan Stanley and the latter half in startups and venture, these paths officially collided in 2022. A global pandemic that sent supply chains into chaos, a war by one of the world’s largest oil producing nations, and…

We are at a turning point in finance. High engagement and technological innovation that is too fast to ignore will lead traditional stakeholders to embrace incentives within the DeFi ecosystem. While it may be a choppy road ahead, I believe we will come out the other side with a better…

When my grandma started asking me how to buy bitcoin and my little cousin showed off her Coinbase account, it was tough to ignore. The gains from investing in cryptocurrency have caught everyone’s attention over the past year. And it spans beyond the dinner table. Elon Musk on SNL, Mark…

Despite widespread belief that global warming is a massive threat to society, we have failed to act. The world has emitted more carbon dioxide in the past three decades than in the last 500 years combined. 95% of millennials say they want to invest in ESG, but only 17% of…

How fintech communities can create upward mobility and financial prosperity Our country’s division became even more prominent in 2020. Physical isolation was exacerbated by increasingly divergent ideologies. My hope is that we also remember this year for the growth of positively-reinforcing digital communities. In 2020, communities became infinitely more accessible…

After writing about the social implications of payments, I received several questions as to how the U.S. payments system works, what are its key problems, and why is the ecosystem not more effective. …

COVID-19 and the subsequent shutdown have highlighted the drastic inequalities within our society. Underserved communities are not only the most at risk of contracting the disease, but also of becoming economically impaired from this shutdown. These communities need money fast. Unfortunately, the U.S. payments system is not set up for…