Terminal Value

In this episode of Terminal Value, I'm joined by Manish Choudhary, co-founder and CEO of Flexprice, an open-source billing and metering platform for AI and API-first companies, to discuss why AI is breaking the old seat-based SaaS model, how pricing is shifting toward usage and outcomes, and why billing is starting to look less like admin software and more like core infrastructure. We cover how so...

In this episode of Terminal Value, I’m joined by Gentry Davies, co-founder and CEO of Crew, to discuss how consumer finance products shape behavior, why traditional budgeting tools often fail, and how Crew is building a calmer, more intentional alternative to today’s banking and investing apps. We cover Crew’s pocket-based banking model, the problem with credit card and neobank incentives, how AI...

Harsha Mokkarala, founder and CEO of e:cue, joins Terminal Value to discuss why go-to-market analytics is still so fragmented — and how AI data analysts could change the way revenue teams operate. We cover why marketing, sales, and finance often have different versions of the truth, why dashboards can create more reconciliation than clarity, how e:cue is building Q as a C-suite GTM analyst, and wh...

Insurance distribution is one of the last analog corners of software — and AI is moving in fast. In this episode of Terminal Value, Nik Singh sits down with Vlada Lotkina, co-founder and CEO of SuperAgent, to discuss why insurance brokerages have become one of the clearest targets for AI labor, and what it means to put an autonomous sales workforce inside an agency. Vlada lays out the "perfect sto...

In this episode of Terminal Value, I'm joined by Shan Kulkarni, co-founder and CEO of Nullify — an AI-native product security company building AI agents for application security. We discuss why the old "shift left" promise often created more work for security teams, how Nullify uses agents, Vault, context, memory, and tooling to automate AppSec workflows end to end, and what changes when software...

In this episode of Terminal Value, Nik Singh sits down with Dhaval Shreyas, co-founder of Pie, to discuss how QA is evolving from manual scripts and brittle automated tests into product intelligence. As AI accelerates software development, engineering teams are shipping faster than traditional QA teams can keep up. Dhaval explains why the future of quality is not just “agents writing tests,” but s...

Finance software is starting to deploy itself. In this episode of Terminal Value, Nik Singh sits down with Ahikam Kaufman, Co-Founder and CEO of SafeBooks, to discuss how AI agents are changing finance operations, revenue integrity, and the modern CFO stack. SafeBooks is building an agentic revenue integrity platform that connects systems like CPQ, CRM, contracts, billing, ERP, and revenue recogni...

AI agents are starting to change how marketing teams turn digital traffic into revenue. In this episode of Terminal Value, Nik Singh sits down with AJ Goyal, co-founder and CEO of Fibr AI, to unpack why web conversion is still so manual — and how agentic AI could reshape the workflow between paid traffic, websites, experiments, and revenue. For years, marketing teams have gotten increasingly sophi...

AI is changing FP&A from a tool-assisted workflow into something closer to an operating system for business planning. In this episode of Terminal Value, Nik Singh sits down with Austin Gardner-Smith, Founder & CEO of Drivepoint, to discuss why financial planning and forecasting are especially critical in consumer, retail, and CPG businesses. The conversation covers why forecasting can be “...

AI-native software is changing the economics of SaaS. For years, cloud cost management was mostly about visibility: dashboards, budgets, showback, chargeback, and rate optimization. But as AI usage, token costs, observability bills, and cloud consumption become material parts of software gross margin, the problem is moving closer to the code itself. In this episode of Terminal Value, I sit down wi...