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A Decade of Insurtech Didn't Crack the Risk Equation. Tesla Might.
Also in this issue: FSIs Keep Scaling Compliance Machinery Instead of Fixing the Controls
Oct 6
•
Yakov Kofner
1
The Biggest Technology Returns Are Coming From Simplification
Also in this issue: M&A Creates Value Twice: At Purchase and in the Integration Machine
Sep 29
•
Yakov Kofner
1
1
Stablecoin Payments Scale Where Fiat Is Broken, Then Shrink When Fiat Gets Fixed
Also in this issue: Call Centers Are Becoming a Repeatable GenAI Productivity Case Across FSIs
Sep 22
•
Yakov Kofner
1
1
FSI Digital Subsidiaries Under Different Brands: The Few Exceptions That Confirm the Rule
Also in this issue: Consumer Fintech’s Higher-Value Economics Run Through Credit
Sep 15
•
Yakov Kofner
1
1
Cross-border Money Transfer Fintechs Are Racing to Cross-Sell to Higher Margins
Also in this issue: Block Is Proving AI-Native Operating Leverage, while Everyone Else Is Still Optimizing the Old Model
Sep 8
•
Yakov Kofner
5
1
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Blockchain Works Best When It Doesn’t Have to Replace Anything
Also in this issue: Wealth Management Is Finally Digitizing the Firm, Not Just the Adviser
Sep 1
•
Yakov Kofner
1
1
The Clearest AI Economics in FSIs Still Come From Traditional ML
Also in this issue: FSIs Keep Modernizing Technology Before Transforming Decision Rights
Aug 25
•
Yakov Kofner
1
1
Higher Technology Spending Doesn’t Drive Digital Transformation in FSIs
Also in this issue: The Neobank Disruption Test Is Finally Moving Into the Incumbent Core
Aug 18
•
Yakov Kofner
1
1
Insurtech Is Becoming Infrastructure for the Channel It Was Supposed to Replace
Also in this issue: The “Everything Exchange” Is a Higher-Take-Rate Engagement Machine
Aug 11
•
Yakov Kofner
2
1
1
AI Is Starting to Automate the Teams That Build Automation
Also in this issue: The Fintech Pricing Flywheel Does Not Survive Contact with Data
Aug 4
•
Yakov Kofner
2
1
Real-Time Cross-Border Payments Are an Operating Model, Not a Rail
Also in this issue: FSIs Automate Loss Processing Faster Than They Scale Prevention
Jul 28
•
Yakov Kofner
2
1
Financial-Wellness Products Are Better at Sorting Customers Than Changing Them
Also in this issue: FSI AI Agents Are Starting to Own the Work
Jul 21
•
Yakov Kofner
1
1
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FSI Digital Transformation Weekly
Evidence-based weekly analysis for financial services and insurance executives, focused on measurable P&L impact rather than transformation hype.
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