This week’s podcast is about Nubank, Brazil’s rapidly rising digital bank. You can listen to this podcast here or at iTunes and Google Podcasts. Here is my new book: Moats and Marathons (Part 1): How to Build and Measure Competitive Advantage in Digital Businesses Kindle Edition Here are my 5 predictions for Nubank 2.0 #1: Nubank Could Offer […]
In his latest Tech Strategy podcast, Jeff Towson delves into how digitalization is revolutionizing traditional barriers to entry. Drawing from his new book, ‘Moats and Marathons’, Towson examines six levels of competition, particularly focusing on those assets that can’t be easily built, bought, or transferred. From reputation and loyalty to unique technological capabilities, this episode offers a deep dive into the realities of competing in the digital age.
In Part 1, I went through the basics of Nubank, which is building a digital bank in Latin America. And you can make an analogy between the first digital bank and the first online travel sites. In both cases: A digital business model was taking on long-established physical business models. Digital economics enabled a far […]
A few months ago, I wrote about Stone Co, which is one of the new digital natives rising in Latin America. My thinking on Stone Co is that the company is mostly serving SMEs with a split focus on financial services and enterprise software and services. That is a bit confusing. And their operations reflect […]
In Part 2, I laid out the story of Stone Company, a Brazilian digital native that is building out payment, financial and enterprise services for SMEs. My basic take was: I like the company’s basic value proposition (payment plus working capital services) for smaller merchants, especially compared to what they get from local banks. I […]
Stone Co is a Brazilian payment platform that provides merchants with a range of services, including point-of-sale terminals, credit card processing, and working capital loans. The company has been growing rapidly, but its share price has fallen sharply in recent months. In this podcast, Jeffrey Towson discusses the company’s business model, its competitive landscape, and its prospects for the future.
Stone Co is a Brazilian payment platform that provides merchants with a range of services, including point-of-sale terminals, credit card processing, and working capital loans. The company has been growing rapidly, but its share price has fallen sharply in recent months. In this podcast, Jeffrey Towson discusses the company’s business model, its competitive landscape, and its prospects for the future.
Stone Co is a Brazilian company that is attempting to build a payment and financial services suite for merchants in +5,000 cities. And they are targeting the country’s +8M small merchants, many of whom still operate in cash and do not get great services from traditional banks. That is a big, interesting and difficult idea. […]
Stone Company in Brazil is a really interesting contrast to Ant Financial in China. And to Square in the USA. All three companies are somewhat trying to do the same thing: To build out an alternative payment platform for SMEs. And then to add additional platforms and services on top of that. It’s a big […]
最近我参观了滴滴-99公司位于圣保罗的总部。在第1部分里，我讨论了司机需求和服务在巴西和中国有何不同之处。以下是两者之间存在的一些其他差异。