About Us

Daily Fintech is based on four core principles

  • Insight is valuable
  • Transparency matters
  • Invite only experts with rigorous editorial process
  • Insight is based on figuring out where the puck is headed

Our work, based on these 4 principles, has been recognised with the silver medal in this Feedspot ranking of 100 Fintech blogs.

Insight is valuable

The value of online content today is driven by how many clicks that content receives, because the Internet to date has mostly been funded by advertising. Daily Fintech was created to challenge that assumption by asking what is more valuable:

A. 10,000 people each of whom are leaders in the global Fintech market who influence how $ billions of value are created?

B. 1,000,000 (1m) people with no money or influence?

The currency of the web (advertising) says B is 100x more valuable than A. That is clearly broken. We all know that A is more valuable. That insight led us to build a media business that sits at the apex of the knowledge market by being insight driven not news or data driven. We track news and data as a source of insight but we do not focus on delivering either news or data. 

Everything we do is designed to protect the time of the small number of people who influence how $ billions of value are created, because time is the one thing we cannot manufacture more of. That respect for your attention drives how we write and what we write about. It also explains why we don’t employ any of the normal tricks to grab your attention – all of them are as annoying as somebody at a party using a megaphone to talk to you. Our respect for your time is why our platform is highly curated. In order to avoid wasting your time with one off posts with lots of overlap, our Experts write regularly (once per week) within a specific domain.

That insight is made available to you for US$143 a year (which equates to $2.75 per week or $0.39 per day). So your daily insight costs you less than $0.40 and could be worth $ millions.

Transparency matters

Separation of church and state (editorial and advertising) is old-fashioned, but we believe it is still important. You should know if the person you wrote what you are reading has a hidden agenda to sell you something. All our content creators follow a strict disclosure policy.

We believe that transparency should extend to ownership and management:

Daily Fintech is owned by Bernard Lunn, who wrote the first post on 29 June 2014 and has funded the business since inception. He currently serves as both CEO and Editor and occasional content creator.

We know who pays our bills – you the reader. That insight is made available to you for US$143 a year (which equates to $2.75 per week or $0.39 per day). So your daily insight costs you less than $0.40 and could be worth $ millions. $2.75 buys you a medium size coffee (maybe), or a weekly cost of a subscription to the no. 2 global Fintech blog – caffeine for the mind.

Invite only experts with rigorous editorial process

 To achieve the mission of delivering unique insight about Fintech each and every day, we have assembled a team of experts who add value because we bring the perspective of our work as entrepreneurs, bankers, senior executives, technologists, investors and consultants. Our insights are created by people like you who also like to write.

We invite experts who really understand the complexities of both finance (including insurance) and technology (including crypto). Our view is that it is easier to help an expert in a market learn a few basic journalism techniques than to expect journalists to be experts in complex fast-changing markets.

We do not simply invite them and then let them post anything. Daily Fintech content creators go through a rigorous onboarding process and have to comply with strict editorial principles.

Daily Fintech content creators see this as content marketing with a visibility payoff that is greater than the per article fee that journalists receive today.

That insight is made available to you for US$143 a year (which equates to $2.75 per week or $0.39 per day). So your daily insight costs you less than $0.40 and could be worth $ millions. $2.75 buys you a medium size coffee (maybe), or a weekly cost of a subscription to the no. 2 global Fintech blog – caffeine for the mind.

Insight is based on figuring out where the puck is headed 

Our mantra at Daily Fintech is “before it is news, you read about it on Daily Fintech”.

In ye olden days we had Newspapers. Now we have  Newsaggregators. News is now a commodity, with Press Releases issued on blog platforms, aggregated and displayed by software to look like a newspaper.

At Daily Fintech, we do not simply report the news. We are attempting something harder which is to anticipate what the news will be in future. If you are investing in the Fintech market (whether investing your time or your cash), figuring out what is likely to happen is very valuable.

One example of anticipating news is what we wrote about Facebook 4 years before the news of Facebook’s cryptocurrency coin was all over the news channels. 

The reason we can sometimes anticipate future news is a mix of knowledge and process:

  • Knowledge. Innovation today is happening at the intersection of technology, media, society/politics and finance. Or experts know all four.
  • Process. We assess two things. Direction of travel + speed of travel. The first is easier than the second. Taking the Facebook example, direction is what we figured out 4 years ago – that Facebook would issue a Coin to enable cross border instant payments to monetise WhatsApp. Figuring out timing is where we tap our  entrepreneurial  experience and ask “when would I launch”.The answer is when a) we are ready with product b) when the market is ready.

If you want to get ahead of the news cycle, subscribe and join your peers who read us daily. That insight is made available to you for US$143 a year (which equates to $2.75 per week or $0.39 per day). So your daily insight costs you less than $0.40 and could be worth $ millions. $2.75 buys you a medium size coffee (maybe), or a weekly cost of a subscription to the no. 2 global Fintech blog – caffeine for the mind.

How we define Fintech

The really short answer is “broadly”.  The slightly longer answer is “the reinvention of Financial Services through digitization“.

Two key points about how we define Fintech:

  • Fintech includes Insurtech (which we cover each Thursday).

 

  • Fintech includes Bitcoin, Blockchain & Cryptocurrency (which we cover every Monday and in The Blockchain Economy digital book/courseware).

We envisage Fintech as big ocean with a lot of fish.

Fintech is big because Financial Services is a big % of GDP (e.g. 7% in USA and 10% in UK and Switzerland), accounts for a big % of corporate profits (as much as 40% by some estimates) and most of it (say 80% to 90%) can be delivered digitally.

Fintech is an ocean, because whatever categories we define, the lines will be increasingly blurred over time and the fish (customers) will move from one part of the ocean to another, even if we can expect more of a certain type of fish in a certain part of the ocean.

One of our mantras is that “bits don’t stop at historical category boundaries”. The business practices & models that evolved pre digitization defined the historical Financial Services categories. However, if you deliver value through a customer centric approach, you ignore artificially defined categories to focus on the needs of real people.

For example, in the big population high growth countries (China, India etc, what used to be the Rest of the World), the distinction between consumer and small business is largely artificial as most people are entrepreneurs. Another example is that the investing part of Insurance really fits within Capital Markets.

Insight treasures in our archives

Daily Fintech has been posting original content every day Monday-Friday and occasionally on Saturday since summer 2014 (the first post is here). So we now have over 1,000 posts and many of our posts continue to have value long after they were written because we are insight-driven not news-driven.

You can search the archives in 4 ways:

  • normal word search

 

  • Categories (for example, all InsurTech posts).

 

  • Tags.

 

  • Related content (which you see at the end of each post).