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Seema Amble Profile
Seema Amble

@seema_amble

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partner @a16z // saas + b2b fintech // strong opinions on 🍕

San Francisco, CA
Joined June 2011
Don't wanna be here? Send us removal request.
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@seema_amble
Seema Amble
6 months
Dropping soon! 👀 Tune in to my new series, "My First 16," for advice and stories on acquiring your first set of customers from founders who know it well!
@a16z
a16z
6 months
Fintech founders often ask us, “How do I acquire my first set of customers?” In My First 16, our new video podcast launching Nov. 14, @seema_amble gets answers from the leaders of prominent B2B companies like @Plaid , @mercury , and @PilotHQ .
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@seema_amble
Seema Amble
2 years
1/ Excited to officially announce a16z Start!💥 We're pumped to partner with founders starting at the earliest stages by providing them up to $1M + a network of support to jumpstart their company. So what is a16z Start? More 👇
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@seema_amble
Seema Amble
2 years
think the internet speed in my flat in india might be faster (and cheaper!) than what I can get in my SF apt 🙌🏽
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@seema_amble
Seema Amble
4 years
1/ was one of the most successful IPOs of 2019. Most people don't know about its staged, strategic choices to fuel network-driven growth. A few lessons for others (and so much opportunity too!) 👇🏽:
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@seema_amble
Seema Amble
4 years
1/ Fintech is driving an evolution in SaaS business models, starting with vertical software markets. Payments have just been the beginning! New post w/ @kshenster @astrange @kimberlywtan 👇
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@seema_amble
Seema Amble
3 years
🚨 new @a16z fintech newsletter! wrote about the emergence of smaller money managers and the platform they need to launch and manage their funds, and find LPs this is part of a broader trend we are seeing: the need for vertical-specific creator tools!
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@seema_amble
Seema Amble
3 years
1/ new post from me + @dhaber on the opportunity in financial operations (“finops”)! we outline the opportunity to automate and streamline the way money is moved, especially as companies go global and payments complexity is increasing
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@seema_amble
Seema Amble
3 years
San Francisco is just awful, right? 😅
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@seema_amble
Seema Amble
2 years
who’s building an embedded accounting offering? 👀 a lot of vertical saas companies and b2b marketplaces needing to build this from scratch…
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@seema_amble
Seema Amble
3 years
very excited for the launch of our dedicated seed fund! come partner with us 🚀
@a16z
a16z
3 years
We’re excited to announce our $400M seed fund. Seed has always been a core part of our strategy. This fund underscores our commitment to founders on this leg of the journey and to seed investing as first class motion for the firm.
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@seema_amble
Seema Amble
3 years
cool to see pay with @CashApp in the wild…curious how they will incentivize usage
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@seema_amble
Seema Amble
2 years
let’s go! come build the future with us 💪🏽💪🏽💪🏽
@a16z
a16z
2 years
We’re excited to announce that a16z has raised a fresh $9 billion to invest via our Venture, Growth, and Bio Funds. Thank you to our Limited Partners and many wonderful entrepreneurs who have made this possible. @bhorowitz has more on our website:
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@seema_amble
Seema Amble
4 years
1/ Finance teams are more critical than ever to companies. But planning is still a slow, tedious and manual process that hasn’t changed in years. New post by me+ @astrange about the need for better, more modern finance software👇
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@seema_amble
Seema Amble
4 years
new post! @illscience @rexsalisbury and i look at the opportunity ahead in payroll APIs, and the different approaches and their tradeoffs. read more 👇
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@seema_amble
Seema Amble
3 years
Seems like the most frequent fintech product rec my friends are looking for these days has been for joint/collaborative expense tracking, savings accounts + investment options to share with their significant other...never been a stronger pull for multiplayer fintech!
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@seema_amble
Seema Amble
4 years
b2b fintech product marketers: underrated and hard to find, but sorely needed. someone who can not only make the value prop. pop for customers (why do they *need* to buy your product?), but also helps w/ pricing and packaging the product, especially as you’re trying to scale
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@seema_amble
Seema Amble
2 years
1/ @Nubank just launched a gamified rewards program: “Nunos.” Users are rewarded for completing financial “missions” using Nubank. Nubank, like other consumer fintech cos, is focusing on “phase 2” as a neobank – engaging, retaining, and cross-selling to their *existing* users
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@seema_amble
Seema Amble
2 years
do you have a food you crave right after landing in a familiar place (eg home, college town)? nothing like standing in front of iyengar’s bakery and having a veg puff for me in bangalore 😋
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@seema_amble
Seema Amble
2 years
love the mafias coming out of the big emerging market tech cos 🤩 (e.g.: @endeavor_global put together this @nubank one - some are investments, others employees-->founders), will see more out of SE Asia, India and of course Latam this year! (h/t @NikMilanovic )
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@seema_amble
Seema Amble
8 months
one of the reasons I and @mandrusko1 are excited about the opportunity for AI to disrupt accounting👇(and professional services more broadly) - hopefully will take out much of the mundane work!
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@seema_amble
Seema Amble
6 months
since @Plaid 's inception, @zachperret swore off press, marketing, and publicity to forge a 1:1 bond with customers. Their early success secrets? A 'boring' website, no press, and focus on building product and community. 🚀 Tune in to My First 16 on Tues, 12/5 for the full scoop!
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@seema_amble
Seema Amble
1 year
just finished this 📖 - a great collection of interviews w/preeminent investors. one thing is clear: they’re all entrepreneurial. we think of them as institutions now but the kernel that led to that status was risk taking in building their own careers/firms
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@seema_amble
Seema Amble
1 year
👏🏽 meetings do not need to be at least 30 minutes by default 👏🏽
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@seema_amble
Seema Amble
23 days
☀️good morning, this 🏃‍♀️never gets old
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@seema_amble
Seema Amble
6 days
The amount of AI product @zapier has shipped is totally underappreciated
@garrytan
Garry Tan
8 days
Everyone is working hard on trying to make the LLM knowledge worker but it might just turn out to be Zapier tbh
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@seema_amble
Seema Amble
11 months
1/ Thrilled to finally announce our investment in Maza as they build a path to financial freedom for US immigrants!
@ai_luce
Luciano Arango
11 months
🗽💳Proud to announce the launch of Maza!🚀 As a child of two undocumented immigrant parents, I witnessed the struggles they faced firsthand. Today, I'm fulfilling my lifelong dream by founding Maza, a company that provides a path to the American Dream for immigrants without SSNs
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@seema_amble
Seema Amble
1 year
we often underestimate the power of incumbency in payments and the time it takes for new players to be accepted by both the merchant *and* the consumer -- take a look at @PayPal (and the competitors here are also well-resourced incumbents, just later to the wallets game)
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@seema_amble
Seema Amble
4 years
I love that @CharlesSchwab started as a successful subscription newsletter, then turned into the brokerage business...more startups could use community as lead gen and great content can help drive that (👀 @iankar_ waiting for your billion dollar business)
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@seema_amble
Seema Amble
9 months
office snacks I can get behind🍦😋 @a16z
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@seema_amble
Seema Amble
4 years
to avoid becoming “the dumb utility” banks will have to: replace aging cores, stitch together, clean & analyze silo’d data, share data w/ other cos, attract tech talent, design intuitive, pain-free UI, etc...but #1 is *change the way think about products*
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@seema_amble
Seema Amble
3 years
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@seema_amble
Seema Amble
2 years
1/ 2 years after writing about the “CFO Stack” and modern software needs for finance teams - we’ve seen a lot of startups, especially in FP&A and payments, but still lots of opportunities to build! A few thoughts and ideas👇
@seema_amble
Seema Amble
4 years
1/ Finance teams are more critical than ever to companies. But planning is still a slow, tedious and manual process that hasn’t changed in years. New post by me+ @astrange about the need for better, more modern finance software👇
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@seema_amble
Seema Amble
4 years
In just the last month @Shopify has launched 🔥: - the Shop app - a new POS - digital storefronts with @instagram @Facebook - merchant bank accounts + debit cards 💳 - installment loans
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@seema_amble
Seema Amble
2 years
Imho one of the most under appreciated parts of NYC is how much more walkable it is vs other cities- the grided + easy to navigate streets, generally flat + safe (unlikely to wander into a surprise like SF), clean sidewalks, density (spent a month in nyc and got my steps in 😅)
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@seema_amble
Seema Amble
4 years
anyone else missing unplanned social interaction with strangers (i.e. chatting w/a barista, holding the door open for a stranger, smiling as you walk by someone)? corona communication is very “efficient,” but lacks the joys of randomness
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@seema_amble
Seema Amble
2 years
I’ve never applied more chapstick than I have at #Money2020 😂
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@seema_amble
Seema Amble
3 years
the fact that banks have really dragged their feet on eliminating overdraft fees really just speaks to the opportunity for consumer fintech...make money by building product people want to pay for >>> fining them when they’re down
@AP
The Associated Press
3 years
Ally Financial is ending overdraft fees on all its bank products, the first large U.S. bank to do so. It cites the impact such fees have on Black and Latino households, which are historically poorer and contend with overdrafts more often.
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@seema_amble
Seema Amble
3 years
Sharing compiled book📚 recs from today’s Namaste America on @joinClubhouse ! 🤓 If you have a title to add, comment below👇🏽 @smc90 @snigdhasur @m1shti @Ay3shaS @pjux @vedicakant @pitdesi @APatelThompson @_MohitArora
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@seema_amble
Seema Amble
4 years
Me: sees a newsletter, excitedly signs up Also me, sunday evening: must get through 97 newsletters 😳
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@seema_amble
Seema Amble
2 years
1/ Super excited to be finally announcing our investment into @mvmnt_freight , which is building the next generation operating system for midmarket and small freight brokers and shippers 🚛
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@seema_amble
Seema Amble
3 years
excel is hard to replace (massively flexible, inertia, etc) but it’s lacking automation + intelligence - new finance tools will be adopted! the days of manually keying in and updating data, limited collaboration, and siloed analysis are numbered!
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@seema_amble
Seema Amble
3 years
1/ Why is shopping for insurance typically a totally separate task from buying the thing that needs to be insured? New post from  @astrange and I about opportunities in insurtech! 👇👇👇
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@seema_amble
Seema Amble
2 years
🚨 new @a16z fintech newsletter with 2022 predictions! @dhaber @GEVS94 and I talk about fintech outside the US - more infra, more b2b fintech, more emerging markets-specific business models
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@seema_amble
Seema Amble
2 years
I love the @dominos pizza tracker - it’s a fun way to wait for my 🍕. But also, I’ve been hearing more software PMs reference it lately, from dev ops to fintech as a model for their product / features. Why? It’s a great tool to offer visibility for customers cc: @joeschmidtiv
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@seema_amble
Seema Amble
4 years
6/ Still, there are lots of opportunities for (or a startup!) to use its data and build product (e.g. around forecasting, lending) which would likely increase the network effects and stickiness of the product
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@seema_amble
Seema Amble
4 years
🚨 new fintech newsletter!
@a16z
a16z
4 years
Inside the latest fintech newsletter: - Swipe card, get stock - In defense of the IPO - What's in your (mobile) bank? - Reimagining the debit card - Better models for SMB lending +more by @illscience , @arampell , @astrange , @seema_amble , & @matt_haf ⬇️
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@seema_amble
Seema Amble
3 years
👏🏽 retention 👏🏽 retention 👏🏽retention 👏🏽 just a friendly consumer fintech PSA 😊: growth is awesome, but don’t forget retention! if you’re losing your customers (unintentionally), it’s hard to earn them back (and you might be losing your best, easiest to acquire ones!). more 👇🏽
@andrewchen
andrew chen
4 years
Startups often see their retention curves for the first time and think, oh shit. Bad. Can they ever get better? tldr; after seeing many products try to move long-term retention curve's, it's hard and almost impossible. Wrote this a while ago:
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@seema_amble
Seema Amble
3 years
Feels like credit builder products are 2021’s version of 2019’s high yield savings account in fintech pitches
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@seema_amble
Seema Amble
2 years
@Suhail Rubirosa, L’industrie, Juliana’s, Prince St
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@seema_amble
Seema Amble
11 months
1/ Pricing can be confusing for early stage founders, especially in B2B fintech with many business models. From helping a number of our companies think through this over the years, new post from me + @mandrusko1 on how to navigate the pricing journey and potential options at
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@seema_amble
Seema Amble
1 year
singapore 🇸🇬 and india 🇮🇳 linking their real-time payments for crossborder - very cool to see. limits seem low (<$1000/day) so mostly P2P at least to start...sad we're so far from this happening in the US 😢...
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@seema_amble
Seema Amble
3 years
this image alone from @matt_levine 's newsletter this morning about the $900M payments error by citibank explains a lot of why we need better payment operations software cc @dadiomov
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@seema_amble
Seema Amble
3 years
come build with us!!
@astrange
angela strange
3 years
Thinking of starting a Fintech company? We will make @a16z 's resources available to a Fintech EIR (remote ok!).Ideal profile: startup experience & the passion to solve a critical problem in financial services (fully fleshed out idea not required).To apply:
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@seema_amble
Seema Amble
3 years
🚨 new fintech newsletter!
@a16z
a16z
3 years
Inside our latest fintech newsletter: -The need for a consumer debt dashboard by @seema_amble -Will neobanks be winner take many? by @illscience -How the "Zoom migration" upended housing by @arampell -Evaluating partner banks by @sumeet724 +more:
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@seema_amble
Seema Amble
2 years
I think I’ve reached peak Indian Aunty status because I’m using an instapot to cook and storing the leftovers in empty yogurt containers 😬
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@seema_amble
Seema Amble
6 months
1/ Excited for our first episode of My First 16 with @immad , founder of @Mercury ! A few of his lessons learned around customer acquisition, having been a multi time founder 👇
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@seema_amble
Seema Amble
3 years
new post! @illscience and I make the case for credit unions: with strong relationships (and >120M members!), tax-exempt status, and now, more than ever, a desire to engage their customers digitally, software provides a unique opportunity for them
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@seema_amble
Seema Amble
4 years
a number of fintech companies have stepped up quickly to assist consumers and SMBs by distributing loans, stimulus checks, and donations, and also provide the data and infra to do so👇(+ many more!)
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@seema_amble
Seema Amble
2 years
thank you @JAL_Official_jp for flagging which seats ✈️ 💺 are occupied by infants 😅🙏🏽
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@seema_amble
Seema Amble
6 months
Ever wonder how @Plaid turned developers into their most powerful advocates? They actively tracked these "free radicals," offered support, and played the long game to build lasting relationships. One standout tale? An engineer who single-handedly brought Plaid in at not one, not
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@seema_amble
Seema Amble
3 years
the data here is fairly obvious (solo workers -- gig, freelance, consultant, etc) lack retirement savings options - another barrier for them to go solo, but an opportunity for fintech and the solo creator stack!
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@seema_amble
Seema Amble
3 years
more fintech application companies at scale will offer APIs - it’s a big opportunity and an extension of their existing tech stack. that said, it’s not “just exposing the API” - often a new biz line - diff product and v diff GTM (e.g.diff buyer, consultative sale, integration)!
@GustoHQ
Gusto
3 years
We’re excited to introduce Gusto Embedded Payroll, a new product which will enable software developers to embed and customize payroll directly into their software. Check out @techcrunch ’s coverage for the details:
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@seema_amble
Seema Amble
10 months
I know everyone tries to leave nyc in the summer, but imho it’s the best time of the year. The days are hot but the warm nights 🥰 + the energy on the weekends are magic✨🌆
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@seema_amble
Seema Amble
4 years
😯 85K small businesses, $22.2B requested, in 8 hours, and just from @BankofAmerica
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@seema_amble
Seema Amble
3 years
Excited to have my friend, @dhaber , join our fintech team! 💪🏽🚀💪🏽
@dhaber
David Haber
3 years
I am thrilled to share that I am joining @a16z as a General Partner based here in NYC!
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@seema_amble
Seema Amble
6 years
sneaking in a fangirl moment with @karaswisher #WomenWhoVenture
@marronelisa
Lisa Marrone
6 years
@karaswisher asked us what we do and we said that “we’re just trying to be badasses when we grow up”
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@seema_amble
Seema Amble
1 year
🚨new @a16z fintech newsletter - wrote a little about the potential for Visa+ to be the network on top of proliferating p2p payment methods (no small execution task of course!)
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@seema_amble
Seema Amble
4 years
🚨 new fintech newsletter! wrote a bit about international expansion and why fintech is default local, *not* default global 🌎
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@seema_amble
Seema Amble
3 years
the openness the next generation has around talking about money isn't just about student and credit card debt, but sharing how they make money and how much (and not just influencers😃)...changing the way consumer fintech markets and earns trust
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@seema_amble
Seema Amble
2 years
I see you, Milky Way 🤩 (also the iPhone camera is 👌🏽)
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@seema_amble
Seema Amble
4 years
3.5 years and 5000 pages of paperwork filed later, it finally happened... @VaroMoney gets a national bank 🏦 charter. How long will it take for the next fintech co?
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@seema_amble
Seema Amble
2 years
it’s like an adult happy meal 🤗 @ImpossibleFoods
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@seema_amble
Seema Amble
1 year
the way you manage runway and cash can mean life or death for your company, especially in these times. yet most founders aren't financial planning experts (rightly so!) @melissawasser @EMinSF and i write about cash mgmt so you can avoid common mistakes!
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@seema_amble
Seema Amble
3 years
and they say companies slow down as they scale... @stripe
@mariogabriele
Mario Gabriele 🦊💭
3 years
. @stripe picking up some real speed on the product front. No doubt we're going to see a bunch more this week...
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@seema_amble
Seema Amble
3 years
icymi, u.s. smb banking today 😰 - setting up a bank account takes 5.5 days on avg (and 7 days on avg for online businesses) - 23% businesses have to send a fax to open an account - 55% of businesses are required to visit a branch in person so much opportunity!
@stripe
Stripe
3 years
Introducing Stripe Treasury—an API to embed financial services in your platform. Let your customers: 🏦 Manage money in interest-earning accounts 💸 Move money with ACH and wire transfers ⏩ Get faster access to revenue 💳 Spend funds with issued cards
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@seema_amble
Seema Amble
4 years
who are the best fintech marketers you know (b2c or b2b)?
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@seema_amble
Seema Amble
3 years
excited for the future and to continue backing the best entrepreneurs 🚀 🚀 🚀
@a16z
a16z
4 years
"The future remains bright and we look forward to the privilege of seeing new entrepreneurs make that future a reality." @skupor announces Fund VII and Growth Fund II
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@seema_amble
Seema Amble
4 years
🚨 new fintech newsletter!
@a16z
a16z
4 years
Our latest fintech newsletter is out! Here's what's inside: -Vertical banking: Financial tools for 💈? A neobank for 📷? -New retailer payment methods -QR codes' big moment? -Fintech eases gov't strain by @illscience , @astrange , @seema_amble & @matt_haf
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@seema_amble
Seema Amble
1 year
🚨 big ideas for 2023 from @a16z ! @mandrusko1 and I write about KYB - it's just one of many manual and painful workflows that finance and risk teams need to wade through today, only to get an incomplete, one-time view of risk
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@seema_amble
Seema Amble
2 years
Congrats to my friend and partner, @sarahdingwang ! 🎉Incredibly well-deserved - I've had the honor of knowing her for 15+ years and she's one of the sharpest, hardest working people I know, and truly an A+ human - so pumped for her and to continue working together!
@DavidGeorge83
David George
2 years
Some very exciting  @a16z news today. I’m thrilled to announce that we’ve promoted @sarahdingwang to General Partner for the Growth Fund. More below on why…and welcome Sarah to this new role, I’m proud to call you my partner!
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@seema_amble
Seema Amble
1 year
hadn't noticed earlier, but pretty neat that @Zelle transactions >> checks at @BankofAmerica (from latest earnings) not totally apples to apples use cases, but rent, disbursements (e.g. insurance, rebate payments), other b2b are big growth drivers for zelle and overlap w/check
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@seema_amble
Seema Amble
4 years
a great weekend read on Maggie Lena Walker, the first Black woman to run a U.S. bank
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@seema_amble
Seema Amble
3 years
I hear gen z loves savings bonds
@axios
Axios
3 years
West Virginia will offer $100 savings bonds to people from 16-35 who get vaccinated
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@seema_amble
Seema Amble
1 year
1/ We’ve gotten a lot of questions about the Zelle wallet announcement and whether it's going to be the best shot at pay by bank. While Zelle has the consumer distribution, it will still be a long uphill battle. Here’s why.
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@seema_amble
Seema Amble
1 year
😑
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@seema_amble
Seema Amble
1 year
Founders often ask us about the metrics that matter, how to measure them, and for benchmarks, especially for early stage cos setting their goals to hit 📊 look no further! great data-driven guide on B2B growth metrics by my partners @DavidGeorge83 @sarahdingwang @aleximm 🙌🏽
@a16z
a16z
1 year
Just launched 🚀
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@seema_amble
Seema Amble
2 years
1/ more companies in the future will be "default global" - they will hire and operate teams globally 🌎, right from the *start*. to do this, they need a software stack to support them - @astrange @illscience @joeschmidtiv & I write more here:
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@seema_amble
Seema Amble
2 years
1/ Early stage B2B companies are often unsure how to pick and work with design partners (their first few users). New post from me + @Jenniferhli from having seen a number of our companies go through this!
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