The Fintech Winter Thaw: Who Survived and Why
The fintech funding winter wasn't death - it was a reset. Capital is flowing to companies with real traction and clear unit economics. The 2021 playbook is dead....
The fintech funding winter wasn't death - it was a reset. Capital is flowing to companies with real traction and clear unit economics. The 2021 playbook is dead....
Down-rounds hit 15.9% in 2025. AI takes 33% of VC funding. The 2026 math favors bootstrap more than any time since the pre-VC era. Here's how to decide....
The AI gold rush is ending. 90% of AI startups will fail by 2027 due to commoditized infrastructure, no differentiation, and the gap between demos and production. The warning signs are already here....
Most pivots destroy more value than they create. Knowing when to iterate versus pivot is a survival skill....
Per-seat pricing is a legacy model from when humans were the unit of work. AI is exposing the lie: vendors want seats, not efficiency. Here's what's replacing it....
Only 23% of offshore partnerships succeed. Hidden costs in rework, management overhead, and quality remediation often exceed what internal development would have cost. Here's why the boomerang always ...
Knowing when to shut down is harder than knowing when to start. The sunk cost fallacy kills more founders than failure....
48% of founders planning to sell have no exit strategy. M&A accounts for 85%+ of VC-backed exits. The founders who get the best outcomes planned for them....
VC funding creates misaligned incentives. Bootstrapped companies often build better products and more sustainable businesses....
Series A funding often kills more companies than it saves. The pressure to scale before ready destroys sustainable businesses....
First-person account of running Core Logic Software during the 2000-2002 dot-com crash. When the NASDAQ fell 78% and 4,854 internet companies died, what it looked like from inside the ecosystem....
The AI wrapper economy mirrors dropshipping: low barriers to entry, no moat, platform dependency. With 90% failure rates and platforms absorbing successful features, the model is broken by design....
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