Latest perspectives
and insights.

From Human to Bot, From Biased to…Fair?

Fairness in financial services remains an unsolved riddle Core has spent over a decade investing…

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The 6 Levels of Autonomous Finance

Yesterday I unlocked my phone, requested a Waymo, waited three minutes for it to arrive,…

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The New Reality: Everything is More Expensive

As we approach the end of 2023, the U.S. economy remains unsettled, with next year’s…

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Catching the Demographic Waves In Fintech

“A great investment opportunity occurs when a marvelous business encounters a one-time huge, but solvable…

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Back to the Fintech Future. Reflections on “Fintech for Good” today versus 15 years ago

On August 1st, I joined Core Innovation Capital as a General Partner following six years…

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The Opportunity for U.S. Fintech is by No Means Over. In Fact, It’s Just Beginning.

Have no doubt, the intersection of finance and technology in the U.S. will keep evolving…

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Core’s Impact Measurement, Open Sourced.

Since our inception in 2010, we have measured both our financial returns and our mission….

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Pioneering Fintech Firm Core VC Announces New Partners

Los Angeles, CA, August 2, 2023 — Core Innovation Capital, a fintech venture capital firm…

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Fintech gets SaaSy

At Core Innovation Capital, we focus on aligning profit margins with customer impact as we…

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Rates up, fintech down. Is it actually that simple?

After spending the start of my career as an interest rates trader at Morgan Stanley…

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How Missionary Are You … Actually?

Every startup appears on some grand social (or environmental) mission these days. And in fintech,…

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Mercenary Impact

The Core team has long said that while we respect shrewd mercenaries as well as tree-hugging missionaries, we…

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DeFi in Traditional Finance is Essential, not an Oxymoron (Part II)

Author: David Roos We are at a turning point in finance. High engagement and technological…

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A Case For Why Government Should Mandate Lifetime Basic Income (But Won’t)

About 100 years ago, the government started making auto insurance mandatory. But it took 50…

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DeFi in Traditional Finance is Essential, not an Oxymoron

When my grandma started asking me how to buy bitcoin and my little cousin showed…

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Time to Retire Defined Contributions?

By 2035, for the first time in American history, the number of older adults will…

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From Redlining to Black Fintech

We recently issued a challenge to the fintech community to think outside the box and align the…

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Cracking CAC

“The CIP section of the KYC policy was criticized by the FDIC as inconsistent with…

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More Money, Fewer Problems

About a month ago, two Black-owned banks merged, making the combined institution, City First Bank,…

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Core’s North Star

Core was originally inspired by microlending in the developing world and in anger at the…

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Christmas in February

When it comes to Christmas, our daughter creates a Google Sheet with over a hundred…

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Make America (Financially) Healthy Again

Is Affirm ground zero of financial health? After all, they take pains to align with…

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March of the Fintechs

We’re in the fourth wave of fintech (the first was in the 70s with the…

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Consumers Bite Back: How Data Can Benefit The Rest of Us, Not Just FAANG

We believe the American playbook for wealth creation — go to college, work hard, buy…

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It’s Expensive to Be American

By Arjan Schütte and Matthew Shackelford For years, I’ve been going around saying it’s expensive…

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Is Walmart the Community Bank of the Future?

As unemployment benefits are expiring, and many who were furloughed are likely to be laid…

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Externalities Matter, a Lot

In the midst of the social reckoning of the racist roots of our nation, and…

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The Next PPP: Public-Private Partnership

by Gregg Schoenberg and Arjan Schütte In the fog of pandemic war, with everyone an…

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How Fun, Automation and an Epiphany Will Get America Saving Again

By Arjan Schütte Our lack of saving is painfully clear today. It is no news…

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