Josh Kushner

So as on-prem moved to cloud or desktop moved to mobile or other things have transformed over time, I think the ability, analog moved to digital, like the ability for every company to just implement this technology very seamlessly is something that we're seeing at a pretty rapid pace.

So as on-prem moved to cloud or desktop moved to mobile or other things have transformed over time, I think the ability, analog moved to digital, like the ability for every company to just implement this technology very seamlessly is something that we're seeing at a pretty rapid pace.

I think the other thing that we at least have a point of view and perspective on is that this is going to be both top line and bottom line of creative writing. The ability to transform enterprise or consumer experience and potentially increase ARPU or in addition to that, automate a lot of processes is likely as well.

I think the other thing that we at least have a point of view and perspective on is that this is going to be both top line and bottom line of creative writing. The ability to transform enterprise or consumer experience and potentially increase ARPU or in addition to that, automate a lot of processes is likely as well.

We have a core belief that there's an important place in the world for crypto. I think the technology that has been created and will continue to be created can be extremely meaningful. I think the reasons why we struggled over the last years has been primarily oriented towards the fact that it has felt like there's been solutions in search of problems.

We have a core belief that there's an important place in the world for crypto. I think the technology that has been created and will continue to be created can be extremely meaningful. I think the reasons why we struggled over the last years has been primarily oriented towards the fact that it has felt like there's been solutions in search of problems.

And we try our best to be extremely simple in everything that we do. And we tried really hard to kind of understand the problems that some of these technologies were trying to solve. And we couldn't. And our orientation to kind of approaching the sector was more oriented towards, okay, if this is something that is going to take off, let's invest in the picks and shovels associated with the space.

And we try our best to be extremely simple in everything that we do. And we tried really hard to kind of understand the problems that some of these technologies were trying to solve. And we couldn't. And our orientation to kind of approaching the sector was more oriented towards, okay, if this is something that is going to take off, let's invest in the picks and shovels associated with the space.

But I think you can invest in something that you don't understand. There's a difference between a great company and a great investment and don't invest in things that you don't understand. If you don't understand it, you can't invest in it.

But I think you can invest in something that you don't understand. There's a difference between a great company and a great investment and don't invest in things that you don't understand. If you don't understand it, you can't invest in it.

And I think the discipline that we brought to the sector is something that I'm both proud of, but in the spirit of vulnerability, I think we felt deeply insecure as everyone else- Making money hand over fist. Was pitching this version of the world. It's funny, as we talked about, I'm not a big Twitter user, but in my one tweet of the year, I went back and I said, where did all the .eths go?

And I think the discipline that we brought to the sector is something that I'm both proud of, but in the spirit of vulnerability, I think we felt deeply insecure as everyone else- Making money hand over fist. Was pitching this version of the world. It's funny, as we talked about, I'm not a big Twitter user, but in my one tweet of the year, I went back and I said, where did all the .eths go?

They're gone. No one has NFT profile pics anymore. Did we just erase this from our memories?

They're gone. No one has NFT profile pics anymore. Did we just erase this from our memories?

But anyway, I think blockchain as software is something that we believe in. And I think it has an important purpose in the world.

But anyway, I think blockchain as software is something that we believe in. And I think it has an important purpose in the world.

Our fintech investments so far have been on the infrastructure side, as we've talked about, Stripe and Plaid. On the direct consumer side, NewBank in Brazil, Monzo in the UK, Robinhood. And then on the B2B side, Ramp. And then in some respects, B2B2C, Affirm.

Our fintech investments so far have been on the infrastructure side, as we've talked about, Stripe and Plaid. On the direct consumer side, NewBank in Brazil, Monzo in the UK, Robinhood. And then on the B2B side, Ramp. And then in some respects, B2B2C, Affirm.

I think from our perspectives, we've just always been oriented towards, there's been this incredible consumerization of financial services products. And the ability to actually create meaningful relationships with a lot less friction within consumers has created businesses that have grown pretty significantly without any customer acquisition as a result of the products that they've created.

I think from our perspectives, we've just always been oriented towards, there's been this incredible consumerization of financial services products. And the ability to actually create meaningful relationships with a lot less friction within consumers has created businesses that have grown pretty significantly without any customer acquisition as a result of the products that they've created.