The Other 50, Ep 5: All roads must lead to Profitability

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Digital only banks have been gaining popularity in recent years, especially in developing economies that previously lack formal financial services infrastructure. Apps such as M-Pesa (in Kenya), Alipay and Tencent pay (in China), and Nubank (in Brazil, Argentina, and Mexico) provide their consumers with a convenient and cost effective means of banking via mobile phones.

Even fintech startups that previously offered investment services only are rushing to add banking to their portfolio. Despite the popularity, however, one crucial question remains: How sustainable are their business models? Most of these startups have yet to turn a profit and are largely dependent on massive venture capital.



Arunkumar Krishnakumar

Venture Capital, Blockchain, Crypto, Fintech and AI

#Inclusion is the new #Innovation. Arun is a Venture capital investor, speaker and writer with particular interest in Fintech, Blockchain, Crypto and AI. He loves use cases with a strong emerging markets angle to them, serving the underserved and tapping the untapped.


Theodora Lau

Founder, Speaker, Writer, Startup Advisor

Theo is a speaker, writer, and advisor, whose work seeks to spark innovation to improve consumer financial well-being and health. She is the founder of Unconventional Ventures, which focuses on developing and growing an ecosystem of corporates, entrepreneurs, and VCs to better address the unmet needs of consumers, with keen interests in women and minority founders.

Bradley Leimer

Bradley Leimer

Writer, Speaker, Advisor on Banking & Technology

Bradley is Co-Founder of Unconventional Ventures, which connects founders to funders, provides mentorship to entrepreneurs, advisory to corporates, and broadens opportunities for diversity within the ecosystem. His belief is that anyone with great ideas should have a chance to succeed.



Tanya Andreasyan, MD & Editor-in-Chief, FinTech Futures @TanyaBankTech

Editor-in-chief of FinTech Futures, a premier digital publishing platform for the worldwide fintech community. Tanya is also a regular speaker at industry conferences and has also appeared on the BBC radio and TV programmes talking about all things banking tech and fintech!


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