Decentralizing digital power is an eminent draw — After rising to unprecedented heights in 2017, Bitcoin value suffered a dramatic free fall in 2018 — as did many other digital currencies. Accompanying the crash were new waves of criticism and plenty of cases of chicanery. Markets ebb and flow, and like everything else, crypto is subject to the…

The last half of a two-part series on Airfox’s company vision and recursive product strategy This is the second in a two-part series on Airfox’s Company Vision. In the first post, I took a look at my inspiration for the guiding principles for creating our company’s vision. …

Part one of a two-part series on Airfox’s company vision and recursive product strategy This is the first half of a series on creating the Company Vision for Airfox. In this first post, I share my inspiration for the guiding principles of creating our company vision. We at Airfox define our quality not only on what goals we set for ourselves but on how…

In theory, the idea of a completely decentralized economy sounds great. It evokes images of a world in which corruption is impossible, and no centralized institution is ever deemed “too big to fail.” But dreams of an entirely decentralized economy are unrealistic. Anyone who believes the opposite is discounting certain…

Developing a suite of company values that are conducive to cohesion and growth is crucial to your company’s effectiveness and potential for success. But as a founder, staying loyal to those values so they prove useful can be more difficult than you might think. You can hire talented people and…

There are two types of companies currently targeting low-income users: those who do so in an exploitative, predatory way, and those who seek to make people’s lives better. The world needs more of the latter. Empowering underserved communities and building successful businesses are not mutually exclusive. Poverty is a big…

Across the world, roughly two billion people are unbanked. Another four billion are under-banked. Most live in emerging markets, where formal financial services can often be a serious and intractable problem. Data shows that the underbanked often don’t trust banks, and banking institutions have historically not trusted them. This is…

Billions of people lack access to financial and telco services, in fact, the poorer you are the more you pay for these services. In emerging markets, smartphones are usually the only way users have access to digital services, considering it is far cheaper than laptops or computers. The smartphone and…

I am fascinated with globalization and the characteristics of each country’s operations, especially the differences between developing vs. developed markets. Each market has their own unique DNA so markets can’t just be divided into emerging/developed as that diminishes the nuances and individualities of each country. …