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New Years Resolutions — 2019

  • The internet as it currently exists will capitulate. The revenue model of advertising only will give way to a distributed model of digital taxation. This will take the form of metered-micropayments for all products, services or content you consume online — compensating creators equal to your engagement. Where industries have died, digital tokens will enable those things which acquire most attention to thrive. Cryptocurrency has been fascinating but we are currently in the replication phase — where people are trying to reinvent what currently exists — instead of doing things with blockchain and cryptocurrency which were previously impossible. We hope to imagine then deliver the latter.
  • Peer to peer has been awesome for platform creators but terrible for gig economy workers. As Ubers Valuation has skyrocketed into the hundreds of Billions, rewards for drivers have plummetted. In short, the compensation for providing the service and maintaining the platforms are misaligned. This will change. Service providers will be rewarded with equity in the underlying business through new fractional ownership models. Every trip will equate to a higher stake of ownership. Drive more? Own more.
  • Last mile delivery is about to explode. It’s relatively cheap to get a large volume of goods from one geographic location to another but It’s ridiculously expensive to get it from one place in that city to a large number of addresses. Look for there to be a number of VC backed players emerge in this space in the next 18 months. They will initially tie together D2C companies and their community, enabling those businesses to leverage the engagement of the crowd to let their customers benefit and lower delivery costs significantly. I guarantee a unicorn emerges in this domain by 2020.
  • Crowdfunding is dead, long live crowdfunding. Investing in equity is prehistoric, consumer purchasing behaviour will become a new form of investing. Voting with your wallet will mean owning through your decisions. Buy something, own it, buy more, own more. Instead of purchasing stocks and shares, everyday consumers will accrue ownership of the futures most exciting companies through their existing purchasing behaviour. This means that the can of coke you are drinking would be a tiny fraction of equity in the business, equally the chocolate bar in your pocket or the soap in your bathroom. Wealth will be redistributed. Where in the past the only beneficiaries of our actions were the shareholders in the business which produced the things we consume — there will be a mass reaction against this. Technology will enable a swarm of individuals to cohesively act as one for mutual economic benefit. This will give rise to co-operatively owned brands which produce a vast number of the things we consume. People will be incentivised to act as selfishly as possible, benefitting everyone who does so as well.
  • Engage more fully with traditional banks and articulate clearly the ethical and moral benefits of saving their customers £Billions a year. The amount of money we could save the most exploited demographic is astronomical. At a minimum, from incredibly conservative estimates, in the UK alone, the figure is above £4Billion. BILLION. That is one customer segment. A year, every year.
  • Public launch of Nexves is planned for the end of Q1 2019. Know someone who could benefit from a check of their bills and expenses and could appreciate paying a far lower price for them? We need referrals, a lot of them. Nexves works at scale due to the network effect of each new user acting as a check on the data we already have. Every person helping ensure the other pays less and each additional ensuring our data is up to date and correct.
  • Media attention is a pre-requisite of the above. We need to talk to journalists, speak at conferences, build our public profile to help gain recognition as the pre-eminent team fighting for the rights of consumers. We exist to save everyone money. Our business model and the way we benefit is aligned fully with our consumers, always. We don’t take kickbacks from the companies we suggest you switch to — like comparison sites — we tell you when you are paying too much, for free. If you want us to do it for you, we take a small subscription instead of the opaque way in which alternative services operate. We give users the best deal possible.
  • World class talent — Data scientists, front and backend engineers, product and community managers, UX designers, customer relationship experts — if you know someone who would flourish building the future of finance, introduce them to us. We intend to grow the team in the new year and need to best people in the world — people who improve the average strength of the team not just help us stay the same.



Elijah McClain, George Floyd, Eric Garner, Breonna Taylor, Ahmaud Arbery, Michael Brown, Oscar Grant, Atatiana Jefferson, Tamir Rice, Bettie Jones, Botham Jean

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Chris Herd

CEO / Founder / Coach @FirstbaseHQ Empowering people to work in their lives not live at work ✌️✌