Conversations Transforming The Financial Industry
Joined June 2021
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Many bankers assume fintech means leaving compliance and bureaucracy behind.
In B2B enterprise fintech, clients often demand governance, audits, security controls, and operational rigor that rival traditional financial institutions.
Compliance doesn't disappear. It changes form.
#Fintech #Compliance #B2B #Banking #digijanus
Jun 13
If I could redo my first 90 days, I'd hire more people who can:
Think big.
Start small.
Big visions are easy.
Turning that vision into actions your team can execute today is the rare skill.
That's what changes a company's trajectory.
#Leadership #Startup #Business #Execution #digijanus
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Jun 13
A leadership lesson worth remembering:
Listen to understand before you respond.
The ability to genuinely hear different perspectives is one of the most underrated skills in business and leadership.
#Leadership #Communication #Business #LeadershipSkills #digijanus
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Jun 13
One of the biggest founder mistakes:
Using startup valuations from the US as a benchmark for every market.
Valuation depends on:
• Market size
• Customer spending power
• Capital availability
• Exit opportunities
Learn globally. Build locally. Context matters.
#Startup #Founder #VentureCapital #Fundraising #VC #digijanus
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Jun 12
People often ask why fintech funding is declining.
One view: funding isn't disappearing at all.
There may still be substantial dry powder available globally. The bigger shift is investor risk appetite and how selectively capital is deployed.
#Fintech #VentureCapital #Startup #Business #digijanus
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Jun 12
Many startups aren't built to solve problems.
They're built to raise the next round.
That's where things go wrong.
Growth fueled by incentives and paid acquisition feels great—until it's time to sustain it.
The best founders know when to stop chasing growth and start building durability.
#Startup #Business #Leadership #FinTech #digijanus
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Jun 12
Singapore's fintech ecosystem wasn't built by capital alone.
It combined funding, government support, ecosystem building, and world-class initiatives like the Singapore FinTech Festival.
When vision, execution, and resources align, industries can scale rapidly.
#Fintech #Singapore #Startup #Innovation #digijanus
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Jun 12
If I could redo my first 90 days, I'd hire more people who can think big and start small.
Big vision is important.
But the real skill is translating that vision into one actionable step for the team today.
Ideas inspire.
Execution builds companies.
#Leadership #Hiring #Startup #Execution #digijanus
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Jun 11
Fintech funding may not be disappearing.
The real issue could be investor risk appetite.
Capital still exists across venture markets, but investors are becoming more selective about where they deploy it.
That's a very different problem than a true shortage of funding.
#Fintech #Startup #VentureCapital #Funding #Business #digijanus
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Jun 11
In 2022, we walked away from fintech partnerships that lacked a sustainable business model.
Competitors took those deals.
At the time, it felt like we were losing.
A few years later, many of those companies disappeared.
Financial discipline is often uncomfortable before it becomes obvious.
#Business #Leadership #Entrepreneurship #BusinessGrowth #digijanus
Jun 11
Everyone assumes older generations avoid technology because it's complicated.
A better explanation: they're often managing risk.
One user refused to use cards for years—not because he couldn't understand them, but because he feared losing his life savings.
Great products solve fears, not just problems.
#Fintech #CustomerExperience #UserResearch #CustomerInsights #digijanus
Jun 11
Did FinTech startups become the innovation lab for the banking industry?
Many of today's banking products—from robo advisors to digital wealth platforms—gained traction after startups proved the concept.
Innovation doesn't just create companies. It changes entire industries.
#FinTech #Banking #Innovation #WealthTech #digijanus
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Jun 10
The most interesting part of Banking as a Service isn't customer acquisition.
It's what happens when banks gain richer ecosystem data.
Better underwriting.
Better servicing.
Smarter cross-selling.
New revenue models.
The future bank may look more like a platform than a branch.
#Banking #Fintech #EmbeddedFinance #FutureOfBanking #digijanus
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Jun 10
The best way to avoid AI theater:
Start with the outcome.
Work backwards.
The solution might be AI.
It might be GenAI.
It might be machine learning.
It might even be Excel.
ROI doesn't reward hype. It rewards results.
#AI #BusinessStrategy #AIROI #Innovation #digijanus
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Jun 10
Many founders obsess over Western startup valuations.
The better question:
How many potential acquirers exist?
How large is the TAM?
How deep are the capital markets?
Valuations are often a reflection of market opportunity, not just company performance.
#Startup #SaaS #VentureCapital #Founder #digijanus
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Jun 10
Funding slows. Customer segments disappear. Growth forecasts change.
The strongest fintech companies adapt.
This founder explains how focusing on operational efficiency, customer priorities, and resilience helped navigate a challenging market environment.
#FinTech #DigitalBanking #BusinessStrategy #Leadership #digijanus
Jun 9
The most valuable AI use case may not be automation.
It may be knowledge transfer.
When AI captures the expertise of your best people and makes it accessible across the organization, everyone gets better decisions, faster learning, and higher performance.
That's cognitive abundance.
#AI #FutureOfWork #EnterpriseAI #Leadership #digijanus
Jun 9
The most valuable use of AI isn't replacing experts.
It's helping everyone access expert-level knowledge.
When AI transfers institutional knowledge across teams, organizations become faster, smarter, and more effective.
That's cognitive abundance.
#AI #FutureOfWork #Leadership #Innovation #digijanus
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Jun 9
The best advice for anyone entering the workforce:
• Build resilience. Failure is part of the journey.
• Don't ask, don't get. Opportunities often start with a question.
The people who succeed aren't those who never fail—they're the ones who keep getting back up.
#CareerAdvice #Resilience #CareerGrowth #Leadership #digijanus
Jun 9
Banking as a Service doesn't have a single global definition.
But the core idea is consistent:
A bank's products and balance sheet become embedded into another company's ecosystem.
The real difference lies in how the partnership is structured across different regions.
#Banking #Fintech #EmbeddedFinance #Finance #digijanus