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Kabbage Post-Mortem: When “Fast” Becomes a Fragile
Kabbage is a modern example of what can happen when fintech design is brilliant, but fintech risk management is brittle. At the onset of the COVID-19 pandemic, I was still working in corporate as a Vice President in Global Corporate & Investment Banking. By March 2020, we were mandated to shelter in place, yet we had a slate of clients in desperate need of liquidity as international supply chains broke down and sales ground to a screeching halt. By June, I was tapped to work
Casey Ariel Diké
Jan 87 min read
You Can Split the Bill Right in the Group Chat
You Can Split the Bill Right in the Group Chat — And It’s One of the Best Fintech Features You’re Probably Not Using If you use an iPhone, there’s a good chance this feature is already sitting quietly on your phone — and you may have no idea it exists. Apple Pay allows you to send and receive money directly inside an iMessage group chat . That means when dinner ends, the vacation house gets booked, or someone grabs the Uber, you can split the bill instantly — right where the
Casey Ariel Diké
Dec 22, 20253 min read
PayPal’s Bank Play Is a Wake-Up Call for the Future of Finance
Yesterday, PayPal submitted formal applications to both the Utah Department of Financial Institutions and the Federal Deposit Insurance Corporation (FDIC) to establish PayPal Bank , a Utah-chartered industrial loan company designed to expand access to financial services for U.S. small businesses. This is a landmark moment in the evolution of banking and capital access in America. Why This Matters — And Why Now PayPal’s move to establish a bank is a strategic pivot toward b
Casey Ariel Diké
Dec 16, 20253 min read
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