Zach

@zach

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Wrote a few blog posts that I’ll be sharing. First one: Atomic Teams https://zachperret.com/2025/03/25/atomic-teams/

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Steelcase Gesture FTW!

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Friday evening vibes with @nate! (Thanks for the tip, @fredwilson.eth)

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How much of this is due to becoming skilled at investing / founder-ing? I think about this a lot. In going from low-skill to high-skill in a thing, I pay little attention to the emotional side. But going from high skill to expert is all about managing emotions.

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If interested in hearing more, we’re doing a talk on these tomorrow! https://plaid.com/events/2024-fintech-predictions-tech-talk/

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10. Chatbots come back. But this time, in the form of AI-driven financial assistants. There will be another hype wave, but the technology may not live up to the hype the second time. Perhaps the third time’s the charm…

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9. Loan volumes begin to trickle back. As interest rates stabilize, borrowers will come back to market for loans. Personal loans will see a faster rebound than mortgages.

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8. Deepfakes will wreak havoc. As the quality of deepfakes continues to increase, we should expect audio and video spoofs to get very, very good. The financial services industry will have to fight hard to stay ahead of synthetic identities.

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7. We’ll see real effort to bring Digital identity mainstream as device manufacturers, central governments, and many new startup innovations come to life. Digital identity will be a major talking point for the year. Consumer adoption will likely take a while though.

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6. Bitcoin moons again. Maybe in 2024. Maybe in 2025. But soon enough. Also expect to start to see a mainstream stablecoin use case emerge in 2024.

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5. Lots of fintech Series A’s and B’s. In 2022 and 2023, much of the fintech investment activity was concentrated on seed. As these early-stage companies mature, we will start to see Series A’s and B’s occur more frequently. Late stage fintech financing will continue to be challenging.

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4. Fintech ads are back. After 2 years of cutting marketing budgets, we’ll see fintechs re-invest in growth. Not as many superbowl ads as 2022 though…

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3. Open banking rules come to the US. Not much of a prediction given how far along the process is, but we will finally get the rules that have been talked about for years.

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2. What’s old is new again. Mint shutdown drives new innovation in personal financial management. The last two months have brought a huge number of signups to other PFM products, most of which are paid. With more adoption comes new opportunities for these PFM’s and others.

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2024 Fintech Predictions! 1. Real-time bank payments gets its first major use case. At least one major retailer will put FedNow and RTP to the test. Remains to be seen if the systems will be able to scale to keep up.

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Would also love more X-caster communities (ex: dadcaster). Makes FC feel smaller.

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Home screen is optimized for consuming the feed, less so for posting. Makes me less likely to think about writing something.

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<3 FedNow That said, there are a lot of barriers to overcome before FN can go mainstream. FedNow: - Does not interoperate with RTP - Has very few banks using it - Is not optimized for consumer conversion - Lacks a dispute mechanism - Needs better fraud tools All solveable, but much work.

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Holiday reading recs?? My three most recent books: - Barbarian Days - Enlightenment Now - The Lazarus Heist

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What was your process for learning storytelling + screenplays?

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