FINTECH RUMINATIONS

THOUGHTS ON FINTECH AND DECENTRALIZED FINANCE

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Network effects in fintech

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Network effects is, with no doubt, the biggest force behind outlandish successes in the tech space. The goal of this post is to dig deeper into the role networks effects play in fintech to provide a sustained competitive advantage.

The rise of lifestyle banking

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Before smartphones, the corporeal world had a much more relevant role in building solutions to essentially any human problem. Physical constraints strongly influenced the ideation and implementation of these processes. This was obviously reflected also in the banking space.  Originally, the banking industry solved the problems of storing money, delivering payments and acquiring liquidity, in...

The disintermediation of finance

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Why (in italian perch√©) has always been my favorite word.  Why, in my opinion, is the most powerful word we have, as it allows us to uncover the real essence of things. It is the key to understanding causality, one of the pillars of the scientific method. The goal of this post is to ignore buzzwords and a blind deterministic approach, which permeates crypto, and try and understand why DeFi...