Entrepreneur Jonathan Tepper on the Innovative FinTech Industry [Podcast]

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If you are an entrepreneur or just passionate about FinTech and startups, you might be aware of the many financial models that promise to disrupt how startups can grow the funds needed for scaling.

In our second episode of Fliplet podcast series, we dived into a conversation with Jonathan Tepper about how effective and innovative these financial models are.

About Jonathan Tepper

Jonathan has an extensive entrepreneurial background. He is currently the founder of Variant Perception, a macroeconomic research company providing investment strategies for investment funds, hedge funds, and banks. Prior this, he was one of the co-founders of Demotix, a user-generated news website, brokering news photographs.

Jonathan also co-authored two books with John Mauldin: Endgame (a journey through the debt supercycle) and Code Red (a perspective on current monetary policies).

The innovative FinTech industry

Are crowdfunding, P2P lending or big data applications as disruptive as they seem to be?

With Amazon investing in a special Kickstarter store and many other crowdfunding platforms, we are currently witnessing an increasing number of startups choosing this way of raising working capital.

Although this can seem a viable alternative to approaching an angel investor or VC, it can become a barrier for growing the business. Jonathan’s recommendation for founders considering this option is to consider all the implications:

  • a very high number of people will be involved in your business (can go higher than 100) who have no experience and can’t help you grow your product;
  • reduced scalability options which may result in an incapacity to deliver the product to your customers
  • having to offset an ‘adverse selection’ effect: if the product is good and innovative, why appeal to customer funds rather than VCs?

P2P lending is another example of FinTech trend inspired on the model of banks: connecting borrowers with lenders in a more efficient way. However, the trick is in finding enough lenders and protecting them from “bad borrowers”.

We are surrounded by lots of FinTech trends that are actually different and more sophisticated ways of issuing credit.

Credit cards, mobile payments are good examples of innovative ways of using technology in the Financial industry.


Throughout the podcast, Jonathan mentioned a range of resources on the topic, which we found very interesting so, to spare you the need of pen and paper, we made a list below:

Where do you see the real innovation in the FinTech industry?

Reach out to Jonathan, you can find him here.