Blockchain is not only crappy technology but a bad vision for the future. Its failure to achieve adoption to date is because systems built on trust, norms, and institutions inherently function better than the type of no-need-for-trusted-parties systems blockchain envisions. …

(Sequel here: Blockchain is not only crappy technology but a bad vision for the future.)

Everyone says the blockchain, the technology underpinning cryptocurrencies such as bitcoin, is going to change EVERYTHING. …

Five years ago, my co-founder Claire McDonnell and I founded True Link Financial, and did two things that that were totally unorthodox for the time.

First, we didn’t build a startup for teenagers.

We built it for seniors. (We’re a financial services firm that offers debit and Visa cards and…

Today’s venture capitalists can’t get through a day without getting pitched on how AI and chatbots are revolutionizing customer experience. See below for the the brave new world we can come to expect from our banks, our phone carriers, our healthcare providers, and eventually, God forbid, the government. …

Four years ago, financial institutions’ inability to help protect my grandma from fraud caused me to start the kind of bank I wanted my grandma to be able to bank at. Our first product, a debit card with extra security features, has already prevented millions of dollars in financial losses.

Kai Stinchcombe

Whatever the opposite of a futurist is

Get the Medium app

A button that says 'Download on the App Store', and if clicked it will lead you to the iOS App store
A button that says 'Get it on, Google Play', and if clicked it will lead you to the Google Play store