Unicornomy Team - Unicornomy

Square Banking - Challenger Bank to Challenger Banks

Square Inc (Payments Processor) has launched Savings and Checking Accounts. While this statement may sound too mundane, it has a lot of meaning in the eyes of the businesses that use Square Payments for accepting their digital payments. Square is a leading payment processor which empowers more than 2 million

Business Model

Big Tech in Financial Services (Part 2) - Google's FS Playbook

In the previous piece we saw how Amazon is building a bank for itself, to be primarily used across its own ecosystem and to make the life of its platform participants a lot easier - for the ultimate goal of buying more and selling more on Amazon! This piece is

Business Model

Big Tech in Financial Services (Part 1) - Amazon's FS Playbook

Amazon's Financial Services PlaybookThis post is a part of a series of 4 long forms about the penetration of Big Tech (Google, Apple, Facebook, Amazon = GAFA) in Financial Services. This part 1 is about Amazon. To start off Amazon's Financial Services Playbook actually revolves (primarily) around it's own ecosystem of

Business Model

BNPL Business Economics, Future & Value Unlock

Loans have been around for almost as long as money has been around. Why specifically now has the concept of BNPL (Buy Now Pay Later) picked up so much steam and attracted investments (retail and institutional)? The answer lies in the insatiable consumption demand and prioritizing instant gratification over long

Concepts

Loss Leader Concept

A loss leader is a product that drives customers by the millions into you store (physical/online etc.) and involves selling a product or service at a price that is not profitable but the only objective here is to attract new customers. These new customers will eventually also buy something

Concepts

Payment Processor/Gateway Business Model

A Payment gateway is a standalone service (API) that can process the payment instructions via a single service (i.e. X bank's credit card, X bank's debit card etc.). A Payment Processor / Aggregator is a service which aggregates all these services (and thus payment modes) which then can be used

Frameworks

Acquisition Entrepreneurship Framework

Acquisition Entrepreneurship is a fine mix of an entrepreneurs investment thesis (know where to put money) and execution skills to run the business in which they have invested. Simply put an Entrepreneur starts the business ground up, an Acquisition Entrepreneur acquires the business started by someone else by investing in

Concepts

E-Commerce Roll Up

An E-Commerce Roll Up (ERUP) Entity/Business aggregates smaller D2C, Internet first, E-Comm Marketplace dependent Brands that sell their products directly to customers via digital channels. This entity then supports these brands with their tech, capital muscle to increase revenue, efficiency, economies of scale and decrease costs. Let's take example

Business Model

Thrasio Business Model's VC Investment Thesis and its Global Peers

Thrasio Business Model About the Business ModelThrasio is the newest vertical tech company on the block. Well this statement might be partly true since this new business model (and the company) has been in existence for quite sometime now. Earlier in the day (2017 and prior) these companies used

Frameworks

Platform Business Framework

Platform Business ModelA Platform business is a business that give away the service/product (primary) at below cost or loss (loss leader) but the actual business model is the make money by complimentary products and services being sold (upsold) to the customer. Examples of Platform Businesses would be Payments Companies