When ChatGPT was launched in December 2022, few could have predicted the rapid transformation the world would undergo in the following months. It emerged as the fastest-growing consumer technology in history, catching many by surprise. In the year since its launch, ChatGPT has revolutionized nearly every aspect of the tech industry. It enables computers to create articles, finish homework assignments, and generate art, fundamentally altering our understanding of work, creativity, and the very notion of 'search'As companies explore advanced AI, they often struggle with managing the necessary infrastructure, including the specialized chips that power these technologies, which can slow their progress. Brev, led by Nader Khalil offers a strategic solution that simplifies the complex landscape for companies striving to leverage AI.Brev’s platform is designed to allow companies to focus on leveraging AI for innovation without the overhead of managing hardware, ensuring they can harness these powerful technologies efficiently.In the midst of this GPU capacity shortage, the need for more efficient resource management is highlighted. The lack of GPUs or the GPU availabilities out there in the world is not only affecting the largest customers in the world, but also startups and midsize companies that really need access to it.Today, on Things Have Changed Podcast, we're diving deep with Nader Khalil, Co-Founder and CEO of Brev into how they support the generative AI boom, ensuring that businesses can innovate freely with AI, reducing the trouble of managing high demand GPUs like A100, H100 and others.Here are some helpful links:Nama Ventures InvestmentInfrastructure as a Service (IAAS) Article on BrevDevGenerative AI StatisticsSupport the Show.Things Have Changed

Tech companies today are building bigger and bigger campuses. Think about Google's sprawling complex in Mountain View, Facebook's expansive headquarters in Menlo Park, and Amazon's new HQ2 in Arlington, VA. These are not just workplaces; they are mini-cities, pulsating with thousands of employees every day. Just trying to get around campus becomes a rather daunting task and that’s a problem that Jeral Poskey, founder of Swyft Cities, thinks about a lot:Swyft Cities was founded in 2019 by some Google Alums, behind the real estate and transportation programs for Google Campuses! The problem they were trying to solve? How do you move massive amounts of people in an increasingly growing campus?Jeral envisions a future where getting around tech campuses and cityscapes is as seamless as hopping on a ski lift, but with the urban flair of downtown gondola rides.Swift Cities isn't just about easing commutes; it's about transforming how we interact with our urban environments, making them more accessible, sustainable, and enjoyable. As Jeral puts it, it's about creating a 'Goldilocks density' of urban living, where communities thrive without the clutter and pollution of cars.Helpful links:Podcast - https://podcasts.apple.com/us/podcast/episode-35-why-swim-when-you-can-fly/id1687567073?i=1000645351345TechCrunch Win & Pitchhttps://www.holmessolutions.com/whoosh/https://www.businessinsider.com/america-parking-lot-spaces-addiction-economy-housing-costs-inflation-2023-4Support the Show.Things Have Changed

Picture this: You're kicking back, watching one of those jaw-dropping SpaceX rockets launch into the cosmos, carrying astronauts or top-secret cargo to the space station. Yeah, that's the same SpaceX we're talking about today on Things Have Changed. They've been lighting up the skies and our feeds with a whopping 96 launches last year alone. Impressive, right?But here's the kicker: even with all that rocket-fueled spectacle, we're left wondering, does all this bankroll Elon Musk's dream of an inter-planetary human?Enter the game-changer: Starlink. Imagine thousands of tiny satellites zooming above us, bringing high-speed internet across the globe. In just a blink (A few years), Starlink's morphed into a giant slice of SpaceX's revenue, raking in nearly 40%.And let's face it, in a world where the internet's as essential as the air we breathe, Starlink's looking to shake things up big time. So join us on Things Have Changed Podcast as we dive deep into the Starlink saga. It's more than just a tech tale; it's about connecting corners of the Earth that have been left in the digital shadows. Here are some helpful links:How Much Money Will Starlink Make?How Elon Musk’s Starlink Is Bringing In Billions For SpaceXMore than 14M households across the US don’t have internetDesign Flaw - 100 SatellitesStarlink SatellitesStarlinks Rapid GrowthBroadband Gaps Dirty Secret - redlining in Digital FormStarlink Subsidy DenialMilitary ImportanceSupport the Show.Things Have Changed

We've all been there: mid-conversation or deep into a work session, only for our digital lifeline to suddenly drop, leaving us stranded in a sea of silence. It's these moments of unexpected disconnection that highlight a pervasive gap in our modern, connected lives.Well, Today on Things Have Changed Podcast, we're joined by Damien Garot, CEO, and Hassan Aouisse, CTO of Stellar, a deep tech startup on a mission to perfect internet while on the move. Through their innovative blend of cellular, Wi-Fi, and satellite technologies, they're tackling the universal challenge of reliable connectivity, promising a future where digital accessibility knows no bounds.Join us as we delve into the journey of Stellar, uncovering the inspirations, challenges, and breakthroughs that mark their path towards a seamlessly connected world. This episode is more than just a peek into the future of technology; it's a conversation about how bridging the digital divide can reshape our daily lives, making every moment of connection count.So stay curious, and let's explore together how Stellar is lighting up the dark spots on our digital maps, ensuring that no call, no message, and no byte of data is ever lost in transit again.Support the Show.Things Have Changed

Ever wondered how startups grow by buying other companies?  Today on Things Have Changed, we're delighted to host returning guest, Dylan Terrill, Chief Business Officer of Asaak, as he discusses his company's remarkable expansion, now spanning two continents. Asaak, founded in 2016, is a fintech company offering loans for motorcycles and smartphones to people who couldn't get traditional bank loans. This approach not only addressed a critical financial gap but also spurred economic empowerment in Uganda.Now they've set their sights on to Mexico, through a strategic acquisition of FlexClub Mexico. With over 300,000 active Uber drivers and a smartphone penetration of 93%, yet with less than half the adult population banked, Mexico presents a fertile ground for Asaak's mission-driven approach. This move raises several questions: How will Asaak's experience in Uganda's unique market translate to Mexico's diverse economy? With Mexico's significant unbanked population, what new opportunities and challenges will Asaak encounter?Join us on Things Have Changed for a deep dive into Asaak's groundbreaking journey and the visionary leadership steering it into new frontiers.Support the Show.Things Have Changed

Palmer Luckey, once synonymous with the virtual reality revolution through the Oculus Rift, catapulted into tech stardom when Facebook acquired Oculus for an astonishing $2 billion. This pivotal moment not only validated VR's potential as the next major computing platform but also marked a turning point in Luckey's career. His journey from crafting immersive digital worlds to influencing tangible, real-world outcomes began here, setting the stage for an unexpected pivot towards a sector far removed from gaming and entertainment: defense.Transitioning from virtual reality to the defense industry, Luckey embarked on a new venture, founding Anduril Industries. This shift was motivated by a desire to innovate within a sector known for its resistance to change, leveraging cutting-edge technology to address modern security challenges. Anduril's inception represented a bold move into a domain dominated by longstanding giants, with Luckey aiming to infuse the agility and innovation of Silicon Valley into the traditionally conservative defense industry.Anduril Industries stands as a testament to this vision, actively dismantling the traditional cost-plus model that has long governed defense procurement. By adopting a tech-driven approach, Anduril is navigating the "Valley of Death" – the daunting gap between prototype development and full-scale production that many defense startups face. Through strategic investments in autonomous systems and AI, Anduril is not just surviving this transitional phase but thriving, offering scalable, efficient solutions that promise to reshape the landscape of global defense, signaling a new era where technology drives strategy, and innovation ensures security.Support the Show.Things Have Changed

In the past two decades, technology has dramatically reshaped numerous industries, from newspapers to travel agencies. Once thriving sectors have been disrupted, evidenced by the decline of traditional newspapers, which lost $6 billion in ad revenue to Craigslist alone between 2000 and 2006. Similarly, the rise of platforms like DoorDash, Uber Eats, and Airbnb reflects a significant shift in consumer behavior. Now, this wave of technological disruption is poised to redefine the defense industry, a sector traditionally characterized by unique procurement practices and significant government contracts. 📰📱The defense sector, once dominated by a handful of major players following a wave of consolidation in the 1990s, is now facing a new challenge: tech-driven transformation. The industry's "cost-plus" methodology, which often leads to inefficiencies and misaligned incentives, is now being scrutinized by tech companies. These new entrants see an opportunity to leverage their expertise in optimizing processes and margins. As tech companies bring their innovative approaches to defense, they're catalyzing a shift towards more efficient and cost-effective solutions. 🚀Yet, the integration of tech into defense is not without its challenges. Traditional defense contractors are deeply entrenched, familiar with the intricacies of government contracts and regulations. However, companies like SpaceX and Palantir are advocating for more accessible pathways for smaller contractors, potentially leading to greater innovation and competition in the sector. This evolution in the defense industry mirrors the broader impact of tech across various markets, raising questions about the future of defense technology and its implications. 🌐🛰️Support the Show.Things Have Changed

E-bike sales outpaced EVs and hybrid cars in both 2021 and 2022. In fact, research shows that by 2030, E-Bike sales are expected to 3x, outpacing even the rapid growth of passenger cars! There is a Bike Revolution taking place across the world and it is not only reshaping personal commuting but also freight and last-mile delivery services.In today's episode of Things Have Changed Podcast, we dive into the world of urban mobility with Mikko Ampuja, the founder and former CEO of Vapaus, a Helsinki-based startup reshaping the way we think about city commuting. Miko brings a unique blend of personal experience and industry expertise, making this episode a must-listen for anyone interested in the intersection of technology, sustainability, and urban planning.Miko delves into the evolving bicycle industry across Europe, particularly in cycling-friendly cities like Copenhagen and Amsterdam, highlighting how innovations in cycling are not just about transportation, but also about fostering healthier, more sustainable cities. Join us on Things Have Changed Podcast as we explore how Vapaus is leading the global movement, with their unique approach to making cycling an accessible and attractive option for commuters.Support the Show.Things Have Changed

There is an alarming trend taking place in South America : the steady rise in obesity rates. Despite all the ads and talk about eating healthy, the truth is that getting  access to nutritious foods is still a struggle.In response to this growing health crisis, The Wild Foods has emerged as a game-changer. Our guest today is Patrick Hardy, the Chief Operating Officer of Wild Foods, is at the forefront of this revolution. Hailing from Chile, WildFoods is a consumer packaged goods company committed to disrupting the entire food and beverage industry by producing healthy and sustainable food products.Patrick takes us through Wild Foods' remarkable journey, sharing the CPG company's strategies that include:Focus not just on Healthy products but one that is easily accessible, delicious, and appealing to consumersLeveraging unique digital marketing and bold ad campaigns, to set itself apart in the competitive food industryGrowth to new markets like Mexico by adapting to local tastes and regulations.Join us on the Things Have Changed Podcast to hear from Patrick Hardy and find out how Wild Foods is making healthy eating fun and doable, turning things around in a world full of processed food, and setting new standards for what's on our plates.Helpful links:Patrick Hardy, COO The Wild FoodsThe Wild Foods WebsiteUS website — https://thewildprotein.com/Supermarkets pushing junk foodObesity in South AmericaAbout Wild Foods:Wild Foods is a healthy food company focused on developing tech-enabled products with the aim of disrupting the Food & Beverages (F&B) industry in Latin America. They have developed a portfolio of +200 SKUs that has allowed them to capture +30% of the market share in Chile in the bars category, on-top of multinational incumbents such as Kellogs, Pepsico, Nutresa, among others. They have a business model based on innovation in product development, digital brand building, digital marketing, technology and talent acquisition. Wild Foods has built a strong, profitable, high-growth business that has experienced 2-3x yoy growth for the past five years with consistently positive EBITDA. Wild Foods continues with its growth and international expansion plans with presence in Chile, Mexico, USA, Colombia and Peru.Support the Show.Things Have Changed

Join us on a captivating journey to the heart of the Middle East as we unravel the extraordinary transformation of Dubai. In this episode, we delve deep into the city's meteoric rise from a regional trading post reliant on oil to a buzzing global hub for investment, tourism, and technology. Discover how Dubai's strategic diversification efforts led to an economy where oil now contributes less than 1% to its GDP, a stark contrast to the 50% it once commanded. We'll explore the pivotal roles of initiatives like the Jebel Ali Free Zone Authority, which revolutionized trade, and examine how Dubai's strategic location and business-friendly policies catapulted it into a major player in global finance. This episode is not just about economic growth; it's a story of vision, innovation, and ambition. Tune in to see how Dubai emerged as the tech hub of the Arab world, setting a new standard for urban transformation and development.Helpful Links:https://www.brookings.edu/articles/what-the-united-arab-emirates-can-teach-resource-rich-countries-in-africa/https://www.wsj.com/articles/dubai-emerges-as-tech-hub-of-the-arab-world-11646568001https://web.archive.org/web/20180317113009/https://www.bloomberg.com/view/articles/2018-01-14/dubai-s-the-very-model-of-a-modern-mideast-economyhttps://www.investmentmonitor.ai/features/where-are-the-global-islamic-finance-hubs/https://abcnews.go.com/International/wireStory/dubais-stock-market-hits-8-year-high-lifted-101519465https://www.youtube.com/watch?v=oc5tHbEK0IQSupport the Show.Things Have Changed

Over the past few weeks, we've delved deep into the stories of remarkable companies, visionary founders, and dynamic landscapes of emerging markets!So, where are we zooming in today? Nigeria, Africa. We're exploring the remarkable story of Nigeria, a nation that has emerged as the largest economy in Africa. With a diversified economy and abundant natural resources, Nigeria’s journey isn't just about oil anymore. It’s about tech, entertainment, and an entrepreneurial spirit that refuses to be quelled.Join us as we dive into the secrets behind Nigeria's transformation on the global stage, exploring the factors that propelled it to an economic powerhouse on the African continent.Support the Show.Things Have Changed

Tech Journey Time Capsule:From the nostalgic dial-up buzz to today's quick digital clicks, this section reflects on the monumental moments and stories shaping our tech-dominated world. Remember when social media was just media? The series takes a nostalgic look back while connecting the dots to our present-day digital reality.The GPS Revolution:Think back to a time when handwritten directions were the norm and getting lost was part of the journey. Now, a $100 billion satellite system ensures we rarely stray off course. This section highlights the immeasurable impact of GPS on modern society, how it's transformed everything from aviation to social media, and shines a light on unsung heroes like Gladys West.From Space Exploration to Personal Navigation:The global positioning system, or GPS, didn't just pop into existence. This segment delves into the history, starting with the Vanguard satellite launch in 1958 and continuing through groundbreaking innovations driven by pioneers like Dr. Ivan Getting and Roger L Easton. Get the lowdown on how the U.S. Navy's celestial ambitions became the silent, guiding force we rely on today.GPS: Beyond Just Location:More than just a map in your pocket, GPS impacts numerous industries, from agriculture to construction. This segment emphasizes the omnipresence of GPS in modern society and its pivotal role in reshaping various sectors. It also touches on how foundational models, like the one created by Dr. Gladys West, play a crucial role in its accuracy.The Socio-Economic Ripple Effect:GPS isn't just about technology; it's big business. This section breaks down its economic impact, revealing how it contributes a whopping $100 billion annually to the American economy. Additionally, with its integration into over 70% of smartphones by 2010, discover how GPS reshaped daily life, social interactions, and modern conveniences.The Future of GPS and Its Broadening Horizons:GPS has come a long way, but where is it headed? From safeguarding lost devices to its pivotal role during events like COVID, this segment delves into its future potential. As we speculate about upcoming innovations and the balance of security with accessibility, one thing's clear: the journey of GPS and its possibilities is far from over.Sign Off with a Thought:End your tech journey with a nod to the endless possibilities ahead. With all the advanced tools at our disposal, the path of discovery remains infinite. Whether it's in the real world or the digital realm, the question persists: Where will you navigate next? Safe travels!Support the Show.Things Have Changed

Imagine compressing a decade of research into mere weeks or turning a failure rate of 90% in clinical drug development on its head. That's exactly what's on the horizon with the incorporation of artificial intelligence (AI) in the realm of drug discovery, and the person leading this charge is none other than Dr. Max Jakobs, CEO and co-founder of DeepMirror. Prepare to be blown away as we navigate the potential AI holds for revolutionizing healthcare, making it possible to sift through massive datasets with unprecedented speed and accuracy.In our exciting conversation with Dr. Jakobs, we dig into the gritty realities of drug discovery in its current state and the formidable issues researchers face without the aid of AI algorithms. Get ready to discover how AI not only hastens the drug-to-market journey but also boosts the clinical hit rates, saving ample time and a fortune in the process. Plus, we probe into the daunting challenge of FDA approval and how DeepMirror is working to dismantle the bias inherent in traditional drug development.To conclude, we delve into the groundbreaking advancements in small molecule drug discovery and how cloud-based AI is honing laboratory processes. Dr. Jakobs illustrates how DeepMirror is utilizing AI to unearth the most promising drug candidates more efficiently. We bring to light riveting customer success stories and the promising future that lies ahead with AI-based data analysis in the pharmaceutical industry. Brace yourselves for a riveting exploration of AI's impact on drug discovery and healthcare.Support the Show.Things Have Changed

🌐 Embark on a Digital Odyssey with “Things Have Changed”! 🌐Ever wondered how the maze of the internet came to be? Join us in our latest episode of “Things Have Changed” as we travel back in time to unveil the origins of the digital universe! 🚀Featuring Voices from the Past:🎙 Charley Kline: Hear from the young mind at UCLA in 1969, whose keystrokes would echo through time!🎙 Bill Duvall: Listen to the collaborator from Stanford, making history alongside Charley!🎙 Larry Roberts: Discover the visionary who sculpted the backbone of digital communication!Snippets of History:Uncover the significance of ARPANET, the ambitious project funded by the United States Department of Defense! 💻Explore the intricate tapestry of innovations and the revolutionary concept of packet switching! 🌟Witness the development of TCP/IP, the universal language of the Internet! 🌍Journey Through Decades:Relive the excitement of the 80s, the era of neon and the advent of domain names! 💫Reflect on the monumental transformation of the Internet, from a military tool to a global platform! 🔄A Tale of Resilience and Foresight:Immerse yourself in stories of challenges, groundbreaking innovations, and limitless human ingenuity! 💡Ponder our digital past and look forward to the boundless potential of the future! 🌟Join us on this enlightening journey through the digital ages and stay tuned for more episodes as we uncover the tales and transformations that have shaped our interconnected world! 🎧 Remember, in this ever-evolving digital landscape, Things Have Changed!Links:https://www.youtube.com/watch?v=oIezCGjxV3A&t=318shttps://www.youtube.com/watch?v=qkD4HVRnGJE&t=950shttps://www.youtube.com/watch?v=7duyl0ZZ5BQ&t=227sSupport the Show.Things Have Changed

Are you prepared for the future? What if we told you that philosophers will play a key role in it? We had a fascinating conversation with the brilliant Dr. Seth Benzel, a Digital Economist from MIT and Assistant Professor at Chapman University. He shared his insights about the transformation of job market landscape, the rise of new types of jobs, and the profound impact of AI on jobs and productivity. We explored how universities are stepping up, investing in STEM education, and how they can play a pivotal role in reducing inequalities and stimulating growth. Ever heard of luxury jobs, last mile jobs, or new tech jobs? These are part of David Autor's taxonomy of future jobs and they're not as far away as you might think. We also delved into the increasing wealth of the top 3% and the subsequent rise in demand for luxury services. What does this mean for you? Well, we chatted about the importance of teaching philosophy in universities and striking a balance between STEM skills and interpersonal skills. We rounded out our conversation by discussing the increasing compensation for leadership and cooperative jobs. Ready to equip yourself with the right skills to remain competitive in the modern job market? Then you don't want to miss this episode!Support the Show.Things Have Changed

Ever wondered how a nation transforms from a war-torn past to a thriving economic powerhouse? Vietnam's transformation has been nothing short of astonishing, as it deftly navigated through technological advancements and strategic partnerships to establish itself as a pivotal player in the global trade landscape. This Asian tiger, now a central hub for manufacturing, produces a wide range of goods, from shoes to cutting-edge technology, harnessing the potential of the internet, smartphones, cloud computing, and data.If you are currently listening to this podcast on a smartphone, there's a significant likelihood that the device was manufactured in Vietnam. Notably, mobile phones represent Vietnam's top export, generating export revenues exceeding $45 billion in 2017. In a period when global trade has stagnated, Vietnam's trade has skyrocketed, accounting for 190 percent of its GDP in 2017, up from 70 percent in 2007.So, how did Vietnam emerge as a manufacturing powerhouse? In this episode of the Things Have Changed Podcast, we shine a spotlight on Vietnam and explore how the nation has firmly positioned itself as a vital player in Asian global trade, offering a fresh narrative of prosperity in the era of Slowbalization. Join us as we delve into the heart of Vietnam's economic renaissance!Links:Joe Biden’s Visit to Hanoi is a signal to ChinaWhy are Vietnam’s schools so good?Vietnam is emerging as a winner from the era of deglobalisationVietnams Richest Man wants to sell EV’s to AmericaSupport the Show.Things Have Changed

Ready to embark on an enlightening journey exploring the economic evolution of Brazil? Strap in as we navigate through dramatic GDP growth, a thriving digital revolution, and Brazil's robust role in global agriculture and natural resources. This intriguing exploration uncovers the shifting landscape of globalization and how Brazil, as part of the BRICSA coalition, is carving its own path towards becoming a top five economy.As we traverse through Brazil's economic terrain, we'll cast a spotlight on its burgeoning agricultural exports and reliance on the same. We'll also examine how the Covid-19 pandemic has impacted its economic momentum while highlighting the significance of monetary policy, past inflation hurdles, and the current favorable trends fostering business growth. From there, we segue into Brazil's burgeoning tech space and the potential growth there, underscoring its sustainability initiatives.Lastly, we broaden our lens to capture the pulsating industries in Latin America, discussing the EU-Mercosur trade pact and its economic implications. We'll touch upon the rising tech companies in Brazil and the immense benefits of regional partnerships within Latin America. Together, we'll dissect the need for sustainable leadership in Brazil and the broader region, and Brazil's role in global economics amidst the challenges of the Covid-19 pandemic. Be prepared for an informative journey that dissects Brazil's economic strategies and its resilience in weathering global economic storms. So, are you ready to explore Brazil's exciting role in globalization and economics? Because we're ready to take you there. Join us in this enlightening journey of discovery and insight, as we navigate the fascinating economic landscape of Brazil.Support the Show.Things Have Changed

In the past few decades, it's been like watching the world shrink right in front of us. Globalization has turned our planet into this super connected place where everything's buzzing. Borders? They've become kinda blurry. Businesses? Oh man, they're popping up all over the globe. And tech? Well, it's like the ultimate game-changer, making even the most remote spots possible market hotspots.But winds of change are blowing once again. Enter: Slowbalization. While it might sound like we're hitting the brakes, it's a bit more complicated than that. Countries are revisiting the whole global trade angle thanks to the volatile past few years we’ve witnessed - from rising trade tensions, evolving geopolitics, and supply chain crises driven by COVID. We're moving from that whole worldwide party mode to a chill regional hangout scene.In this series on Things Have Changed Podcast, we're going to unravel the layers behind this shift. Specifically, Mexico is emerging as a standout beneficiary, as US companies aim to divest from China and invest closer to home!Amidst the intricacies of Slowbalization, Mexico emerges as a standout beneficiary. As the whirlwind of global trade cools and countries seek more regional, strategic partnerships, Mexico's geographical proximity to the US and robust trade agreements place it at a pivotal position.As companies reevaluate supply chains and lean towards nearshoring, Mexico's blend of competitive labor costs, established manufacturing prowess, and its strengthened ties with the U.S. through agreements like the USMCA, makes it a beacon for businesses looking for agility and resilience in this new economic landscape. In essence, Slowbalization is opening doors for Mexico that globalization merely hinted at.Helpful Links:https://www.morganstanley.com/ideas/mexico-nearshoring-gdp-growthhttps://www.wsj.com/articles/mexicos-industrial-hubs-grow-as-part-of-trade-shift-toward-nearshoring-11675257070https://www.wsj.com/articles/how-u-s-and-china-are-breaking-up-in-charts-282bd878?mod=Searchresults_pos5&page=1https://www.bloomberg.com/news/newsletters/2023-06-28/supply-chain-latest-us-nearshoring-proof-grows-as-mexico-exports-jump?in_source=embedded-checkout-banner#xj4y7vzkgDisclaimer: The information and opinions expressed in this episode are for informational purposes only and are not intended as financial, investment, or professional advice. Always consult with a qualified professional before making any decisions based on the content provided. Neither the podcast nor its creators are responsible for any actions taken as a result of listening to this episode.Support the showThings Have Changed

Imagine navigating the often-complex world of equity management with ease. Picture illuminating the path to growth opportunities that you were previously oblivious to. That's exactly what our guest, Peter Walker, head of insights at CARTA, is here to discuss. CARTA is reshaping equity management and providing invaluable insights to companies like Slack, Coinbase, and Robinhood, enabling them to focus on their core mission - building their company. Peter stresses the importance of a clear cap table for investors and how CARTA is revolutionizing this process. Ever wondered how first-time founders transform into second-time founders, and in the process, create more owners in the ecosystem? CARTA's insights can guide you on this journey. Peter shares how CARTA's cross-functional collaborations between data and marketing teams make their data more valuable for the ecosystem. CARTA's mission to become the infrastructure for startups, and its data-driven approach, is indeed intriguing and holds immense potential for entrepreneurs.Lastly, we delve into Peter’s exciting journey in DataViz and CARTA's bold moves in the VC and liquidity space. He reveals the importance of tooling and iteration in data storytelling and how companies can optimize their buying process. We also discuss trends in startup valuations, employee options and their implications on company acquisitions. CARTA's role in educating employees on equity management and making informed financial decisions is also brought to light. It's a captivating discussion you don't want to miss. Hop in for an enlightening conversation on the future of equity management.Support the Show.Things Have Changed

On our previous episode, we spoke about the Buy Now Pay Later industry and the players that rode the pandemic to all time highs! But what we didn’t talk about was the chaos that ensued post covid!..Affirm's stock price dropped over 90% since November 2021, AfterPay fell more than 80%, and Klarna saw a decline of over 70%.So what's behind this turbulence? Rising interest rates, inflation concerns, and worries about consumer debt have left investors scratching their heads. But don't worry, we're here to make sense of it all!In this episode, we'll explore the challenges facing the BNPL industry and how it's adapting to the economic storm. We'll also discuss the importance of responsible spending and share some tips to ensure you're making informed decisions when using BNPL services.Regulatory Scrutiny. BNPL is a relatively new product, and there is no clear regulatory framework for it. This has led to concerns about consumer protection and financial stability. Some BNPL companies have been fined for violating regulations. For example, in 2022, the Financial Conduct Authority (FCA) in the United Kingdom fined Klarna £39 million for failing to adequately assess the affordability of its products to consumers. The FCA also fined Clearpay £20 million for similar reasons.Helpful LinksSupport the Show.Things Have Changed