Version 4 - Last updated 14 Feb 2020 Full disclosure I’m going to write about banking and moving money. Not only that but this whole adventure is inspired by the hair-loss inducing frustration I experience when I try to move money between banks in the US. Seems odd am amirite? Well not if you were brought up on the sweet sweet nectar that is the UK banking infrastructure. So if you’re curious as to how they compare, and how America may one day be, and how together we can build a bank to change every aspect of your life - read on.
Over the past year and a half I have spent a considerable amount of time researching, thinking about, and (not joking) pulling my hair out due to - the US banking system.
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The sharing economy narrative:
Market trends I’ve been thinking about that make this relevant:
But I find myself disillusioned with the state of the sharing economy so far. This whole story overlooked the key principles in human nature and business building. The problems. So after several intros that I never hear back on, and using several people in my network for intros I’m fed up. This has to be easier. I finally got frustrated enough to map out an MVP solving this, this month and then through the power of introductions - found something better.
I sat down during a cruise to mull over my thoughts on the experience so far and to write some comprehensive feedback to the CEO/head of experience for Royal Caribbean (RC).
Little did I know this writing was going to take on a life of its own. It was a 2 week family cruise with a party of 16. We took the Explorer of the Seas. As someone who exercises and travels regularly I have encountered a repeating issue over the last year. I’m going to explore this into products.
Within the space of a month is my wedding and my dad's 60th birthday. Both feel like pretty major life milestones. Both have me feeling nostalgic and yearning for a way to store memories better.
For my dad's 60th I spent 100+ hours digitising, cataloguing, storing on the cloud and organising all physical tapes of our family memories. Memories from as far back as 1950, which were locked away in a VHS, that were guaranteed to never be seen again, can now be accesses in my fathers palm any time he is connected to the internet. This present and these life events got me thinking about a company a friend of mine started and an entirely new category that can be created. Enter Kinecho. Less than half way through the year and I'm already questioning why I started writing again
Last week, I had a conversation with someone where we clearly had a different understanding of the same term.
That term was “Imposter Syndrome”. After the chat, I found myself obsessing on how annoyed I was. I think this difference in understanding is symptomatic of a greater issue we face. The inaccuracy of the language we share. It’s been a year since I boarded the plane from London to Denver to spend 3 months in Boulder for the Techstars 2018 program and it feels like the right time to structure and share the thoughts I have been working on for the last month.
If you’re considering Techstars and you feel the equity deal might be a little raw or an MD hasn’t gotten you to drink the kool-aid yet, I implore you to read on. |
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