摘要
取代card network
苹果的广告系统
Facebook的钱包
Roblox的更新
Remote Working
大数据工具
其他
取代Card Network
今年随着BNPL的红火,card network开始被市场质疑。因为如果商户是和BNPL公司有直接集成的话,钱的流转可以不通过card network。
之前Square也开始推广Cash App的用户和Square的商户直接对接。
现在Plaid也开始准备新的payment网络,这也是为什么Visa之前要收购又不被批准的原因。
Plaid makes software that allows banks and other fintech companies to plug into their users’ financial accounts, with their permission, and access their financial data to look up account balances or authenticate personal financial details. Plaid unveiled a new program Thursday that will use the software to make it easier and cheaper for consumers and businesses to make digital payments funded by their bank accounts.
值得注意的是合作伙伴里面没有Paypal
Plaid won’t be directly involved in moving money as part of the new endeavor. For that, the company signed up dozens of payment processors and tech companies in North America and Europe, including Square Inc., SQ 3.81% Stripe Inc., Silicon Valley Bank and SoFi Technologies Inc.’s SOFI -0.29% Galileo unit. Those companies would then give their customers a pay-by-bank option alongside other payment methods, such as credit or debit cards.
同样也是专注于钱流转的Wise,最近股价不是太好。Net Interest认为Wise的功能单一是一个问题。
Wise employs an unusual strategy for a fintech company. To its credit, it does not cross-subsidise – either across customers (unlike most credit card businesses) or across products (unlike many super app wannabes).
看数据Wise个人业务的ARPU基本是平的。增长主要是靠量,而很多增量又是批发弄来的。在很多Fintech公司往super app努力的时候,确实想不明白Wise长期究竟为变成什么。
苹果的广告系统
Snap尽管作为Facebook的对手,一直在替苹果说话,现在也是深受其害。
Snap CEO Evan Spiegel praised Apple’s consumer-friendly changes on CNBC in February, when he also warned they posed a risk to Q4 earnings, but said on Thursday the iPhone’s privacy settings impacted Snap’s advertising business more than anticipated.
缺乏有效tracking,导致获客成本增高。很多DTC的digital health公司也受到冲击。
Over the past six months, both investors have seen a massive jump - according to Ling from Canaan, it has been double or even triple - the cost to acquire customers. For many companies, the iOS 14 update, which emphasized privacy and allowed users to opt out of in-app data collection, had a big impact on their customer acquisition cost or CAC.
这个情况应该利好DTC里面的龙头企业,如果他们还有库存来卖的话。
Facebook的钱包
Facebook又来了新的尝试,缩小了范围,让合作伙伴来提供主要服务。
Coinbase will provide custody services, while Paxos is supplying the stablecoin Novi will use.
不过也没有逃脱监管的注意。
In a Tuesday missive, U.S. Senators Brian Schatz (D-Hawaii), Sherrod Brown (D-Ohio), Richard Blumenthal (D-Conn.), Elizabeth Warren (D-Mass.) and Tina Smith (D-Minn.) ordered Facebook CEO Mark Zuckerberg to “immediately discontinue the company’s pilot of Novi” and end its work on the diem stablecoin project.
其实Facebook很奇怪,推钱包服务,为什么一定要推crypto钱包?Zuckerberg自己从来没有给Bitcoin站过台。如果说是想逃脱监管,那么这个策略目前来看也是完全失败。
考虑到Facebook Marketplace的体量,推广一个正常的钱包不难。而且,我觉得基于Facebook对用户的理解和社交关系,很适合做小额贷款。下面是诺贝尔奖得主的经验
Roblox的更新
Roblox最近开了一个开发者大会。CTO谈到了5个重点
rendering fidelity 提高图像的仿真度,服务成年玩家
identity 和上面相连,多赚avatar的钱
build a robust economy,1.3M的开发者,很厉害
open cloud,支持第三方的开发租金
shared fabric,communication and civility,如何加强moderation,让小朋友和成年人可以安全相处
作为investor,听上去很不错。Roblox成为metaverse,覆盖全年龄段。不过用户好像有别的想法。有人就是要原来的人像设计。
也有人担心卡顿
今年的股票投资,好像没有容易的题目。
Remote Working
Deel,一个提供远程招聘服务的公司,估值55亿美元。增长迅速。
Just since April, Deel has seen its global customer base jump from 1,800 to over 4,500, according to CEO and co-founder Alex Bouaziz. Customers include Coinbase, Dropbox and Shopify, among others. During that same time frame, employee headcount has grown from 115 to 400.
It was only in September of 2020 that Deel raised $30 million in a Series B funding round led by Spark Capital. At that time, it touted 500 customers. So that means it has effectively 9xed its number of customers in 13 months.
这个服务看上去很简单
而且他还有好几个差不多体量的竞争对手,比如Papaya Global,Oyster和Remote.com。
可见remote working的趋势是多么强劲。Fred Wilson也发现有一部人在同时打多份工作。厉害的是,他居然觉得公司如果不能避免,那还不如接受。在我看来,还不如尝试最大化的外包,按工作内容来收费。
Braintrust的CEO最近接受了一个访谈。(其实这个公司并不是按照传统模式来组建的,而是由node来运作。目前有6个node。这个CEO只是代表的一个node,对别的node负责人都不了解)
目前的GSV有22M和490个客户,GSV月增长26%。平均单价要67k,远远高于Upwork和Fiverr。所以根本就不是一个层面的竞争。
另外他们的token价格管理的很差,明显没有学习DeFi 2.0的常规操作。
大数据工具
TripleBlind,可以让数据不离开所在地而被分享。
In the latest development, a startup called TripleBlind — which has devised a way to encrypt data so that it can be shared without ever being decrypted or even leaving the data owner’s firewall, and keeping the whole process compliant with data protection regulations — is announcing new funding on the heels of strong demand for its technology.
Snowflake参与了投资
Mayo Clinic also invested an undisclosed amount in an extension to TripleBlind’s $8.2 million seed round. Mayo Clinic is not its only strategic backer: Accenture and Okta are two others; other customers include Snowflake.
Hex,扩展Jupter的功能。又和Snowflake关联。Snowflake的ticker应该选DATA啊,不要嫌弃被Tableau用过。
Most data scientists work with their data in online notebooks like Jupyter, where they can build SQL queries and enter Python code to organize it, chart it and so forth. What Hex is doing is creating this super-charged notebook that lets you pull a data set from Snowflake or Amazon Redshift, work with and format the data in an easy way, then drag and drop components from the notebook page — maybe a chart or a data set — and very quickly build a kind of app that you can share with others.
Snowflake在我看来有两个风险,第一,业务主要集中在大客户,第二,所推动的改变,是全新的,也不仅仅在技术层面。
其他
互联网企业从边缘变为主流
最近读到两句话,觉得很深刻。
“You cannot solve a problem from the same level of consciousness that created it.” by Albert Einstein
“It is perfectly obvious that the whole world is going to hell. The only possible chance that it might not, is that we do not attempt to prevent it from doing so.” by Robert Oppenheimer
如果知道自己的局限性,那么有时候要选择站在自己的对立面。至少可以刺激一下思维模式。
备注:我持有的股票包括NET,FVRR,DOCU,PTON,SPOT,TDOC,TWTR,TWLO,SQ,DUOL,SHOP,MRNA,ZG,TKWY,FB和DWAC。
“其实Facebook很奇怪,推钱包服务,为什么一定要推crypto钱包?Zuckerberg自己从来没有给Bitcoin站过台。如果说是想逃脱监管,那么这个策略目前来看也是完全失败。
考虑到Facebook Marketplace的体量,推广一个正常的钱包不难。而且,我觉得基于Facebook对用户的理解和社交关系,很适合做小额贷款。”
同款迷惑,只能自我解释为扎克野心过大