As the decade draws to a close, a wave of innovative fintech companies are becoming major players in the personal finance, lending, and financing markets. The balance of power is shifting from traditional financial institutions to newcomers who can tailor products and bundles to specific demographics and democratize processes for…

A handshake sealed a deal in the 19th Century, in the 20th Century it was paper and pen, but in the 21st Century, business is increasingly conducted digitally. As companies and users adopt a more digital mindset, efficient and accurate electronic data collection and identity verification have proven integral. …

What you should not do =)

When we were out raising money for our fund last year, one of the most common questions we were asked was this, “Would you feel comfortable leading deals out of the new fund?”

Our answer was, at the time, one-sided. We said certainly, there were many situations in which we’d…

What Cyber Security taught me about Life Insurance

I have been enamored with both insurance and cyber security startups as an investor over the past 2 years but have always assumed that these were two separate interests of mine that managed to find a random meeting point in my life…

The 20/20/20 Rule for Marketplaces

As two-sided marketplaces are a core investment area for our fund, I’ve spent a lot of time thinking about what the underpinnings of a strong marketplace business model should look like. I came up with a very simple rule — the 20/20/20 model. …

Tianxiang Zhuo

General Partner, Fika Ventures. Previously: GP @ Karlin Ventures, McKinsey & Co, Tech Entrepreneur, Stanford MBA.

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