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Archive for Category: Trends

time kills all deals

Jan 3, 2017

Time kills all deals

Fintech, In the News, Startups, Trends, Uncategorized, Valuation 0 Comments

Woody Allen once famously had a character say: “A relationship, I think, is like a shark, you know? It has to constantly move forward or it dies.” In our world, the same can be said of m&a negotiations. In other words: “Time kills all deals”.  As an investment banker that has been involved with many mergers and acquisitions over the years – I’ve come to live and die by this mantra. We’ve seen it many times, the probability of a successful deal completion declines as time passes; if enough time passes before a deal closes, it will, most likely, die. So…

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Nov 17, 2016

CFPB’s Future & Impact on Alternative Credit Scoring

Fintech, In the News, Trends, Uncategorized 0 Comments

There are more than 50 million Americans without a traditional credit score and 80 million unbanked and under-banked individuals in the United States. These individuals, more often than not, do not have access to traditional credit products. We recently attended the Money2020 conference in Las Vegas, where the Consumer Financial Protection Bureau released a report encouraging the use of non-traditional information and methods to enable better credit scoring and analysis for this large group. We applaud their efforts.   The CFPB launched Project Catalyst in 2012 to promote consumer-friendly innovation. Since its creation, the agency has collaborated with several FinTech…

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Nov 2, 2016

Hitting the mark – it’s all about trust

In the News, Trends, Uncategorized 0 Comments

“Strategic planning is the continuous process of making present entrepreneurial (risk-taking) decisions systematically and with the greatest knowledge of their futurity…” In the mergers and acquisitions world in which we live, there is a longstanding syllogism among some that the best predictor of future behavior is past behavior. This philosophy is not limited to those in m&a. In “The Tempest” Shakespeare has a character remark that “what’s past is prologue”, and we know many people who subscribe to that theory when evaluating business opportunities. We, however, prefer to rely on Peter Drucker – who once said “strategic planning is the…

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Aug 2, 2016

Distributed Ledgers, Blockchains and Virtual Currencies: Are We Nearing A Pivotal Systematic Change?

Blockchain, Fintech, Startup, Trends, Valuation , , 0 Comments

With the advent of HTML 1 in 1993, which standardized the language used to create web pages, the potential of the internet became unlocked. With applications written in HTML combined with a viable connection (and authorization), suddenly anyone could access a treasure trove of information from anywhere on the planet – and sometimes beyond. (Think Hubble and the Mars Rover). With HTML, the internet effectively sped up the process of globalization to light speed. What would be next?

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