PERSPECTIVES
As fintech investors, we are fortunate to get a comprehensive view of the financial services ecosystem, which helps us develop unique insights on emerging trends and unmet needs. While our investment thesis constantly evolves, the following highlights the broad themes that currently spark our interest.
Modern benefits
Today’s workforce is diverse, and benefits should be too. Traditional models often no longer meet the needs of gig workers, creators, part-time, contractors, and remote employees. The future of work demands benefits that are flexible, inclusive, and customizable. These benefits should extend beyond standard health and wellness offerings, be able to support contributions from multiple employers, and be adaptable to the evolving needs of the modern employee.
A Universal
ID Passport
In a world where deepfakes and AI-generated fake identities are becoming mainstream, we urgently need a digital identity system that is secure, verifiable, portable across platforms, and seamlessly integrated into digital transactions. This is crucial for underwriters and the financial sector, where accurate ID verification is essential for operations like opening bank accounts, applying for credit, and making payments.
Next-Gen
cross-selling
tools FOR FIs
Financial institutions face unique cross-selling challenges due to varying product sales cycles. New tools are emerging that pinpoint the exact moment a customer needs a specific product, like auto insurance during a car search. We support a future where financial services move away from transactional interactions towards relationship-driven engagement, powered by responsible data usage and hyper-personalized offers.
Insurance underwriting
The insurance industry is undergoing a data revolution. By leveraging rich macro and micro data sets, combined with advanced analytics and machine learning, outdated processes are being replaced with efficient, customer-centric solutions. This transformation is enabling personalized coverage recommendations, accurate risk assessment, and a seamless application experience, benefiting both insurers and their customers.
Construction
& fintech
Fintech innovation is reshaping the construction industry, tackling long-standing challenges such as complex project / contractor management, intricate financing, lengthy payment cycles, and fragmented processes. Innovative solutions are emerging to streamline project funding, accelerate payments, and optimize project management, promising increased efficiency, transparency, and profitability across the board.
Financial OS
For businesses
Better tools are needed to empower founders and business owners to more efficiently manage everything “finance”. With both noise and signal coming from all directions across many siloed point solutions, we envision a dashboard view that gives access to inventory, cash flow, revenue, opex, and any other necessary information. This becomes powerful when coupled with automated analysis and recommended actions, as well as the ability to easily share insights for investor reports, company updates, and more.
Agriculture
& fintech
The Agriculture sector, with its complex supply chains, seasonal fluctuations, and unique financial challenges, is ripe for disruption. Fintech startups can leverage their learnings to revolutionize the way we approach farming, agribusiness, and food production by facilitating access to capital, streamlining payment, and enhancing risk management for farmers and agribusinesses.
Healthcare
& Fintech
Financial services and healthcare are the two largest economic drivers in North America. Both are vast, highly regulated and slow to adopt technology. They are dominated by established players, and plagued by customer frustration. However, their intersection presents a fertile ground for innovation and growth, as evidenced by the rise of dedicated, healthcare-specific fintech companies.
Frictionless
real estate experiences
Buying a property is an extremely cumbersome process, involving up to ten parties: buyer, seller, buying agent, selling agent, mortgage broker, lender, lawyer/notary, appraiser, home inspector, and contractor. We believe this process should be more cohesive and a lot simpler.
If any of these themes resonate with you and you’re building a solution in these spaces, or if you’re working on a different venture that’s set to disrupt financial services, we’d love to hear from you. Let’s connect and explore the possibilities together!