Remove financing Remove incumbents Remove opportunity
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Understanding How The Innovator’s Dilemma Affects You

Both Sides of the Table

The thesis of the book is that incumbents in markets – especially large and well entrenched markets – seldom survive fundamental technology changes in their industries. It should affect how you think if you are an incumbent but also if you’re a startup. Let’s start with the incumbents position in a market.

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Parafin Transforming Delivery of Small Business Financial Services Closes $100M Series C

American Entrepreneurship

Embedded finance infrastructure makes financing decisions based on real-time data. Fintech startup Parafin innovatively tackles this challenge through its embedded finance infrastructure used by partners such as DoorDash, Amazon, and others. Incumbent methods systematically bias against women- and minority-owned businesses.

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Israeli fintech Personetics raises $85M for tools to help incumbents personalize banking services to compete with neobanks

TechCrunch

Today a startup that is building tools to help incumbent address this challenge is announcing a round of funding on the back of a lot of demand for its services. “T hey are seeing the impact of the alternatives,” he said, with the migration away from the incumbents happening gradually. That’s a common thing.”

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Opportunity Amid Volatility

Haystack

TechCrunch’s Kate Clark has done a round-up of the largest “private VC” rounds of 2018, and there’s a whole other list for just $100M+ financings led by Softbank’s Vision Fund. Speaking of acquisitions — many leaders of larger VC funds have privately given up on the incumbents buying their companies.

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How I Invest

Both Sides of the Table

I spend hours thinking about the products, competitors, market opportunities, recruiting and financing of these businesses. I love businesses that aim to massively reduce the costs of products or services in a way that makes a product or service vastly more accessibility and in which incumbents would have a hard time competing.

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Citi backs Crowdz, a Pipe competitor that just raised $10M for its blockchain-powered invoice financing marketplace

TechCrunch

That player, Crowdz , recently secured $10 million in financing co-led by Citi and Dutch growth equity firm Global Cleantech Capital, with participation from Bold Capital Partners, TFX Ventures and Augment Ventures. Put simply, Crowdz started out by giving small and medium-sized businesses a way to sell invoices for financing to funders.

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BarbAIrians at the Gate: The Financial Opportunity of AI

Andreessen Horowitz

Popularized by Michael Milken at Drexel Burnham Lambert, the invention wasn’t all that complicated: issue bonds with very high interest rates and correspondingly high risk, and use that capital to finance the wholesale acquisition of mismanaged, inefficient, and sclerotic companies. billion, against almost $2.8