Things Have Changed

Send a text 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 s...

Send a text 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, en...

Send a text 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 rate...

Send a text Imagine this: you're browsing through an online store, eyeing that perfect item you've had your heart set on like the new iPhone 15 or a brand new Leather Couch to pass out on. In today’s world, you can bring it home today and pay later, without the hassle of upfront payments or credit checks. It's like having a financial genie granting your wishes! It’s called “Buy Now,...

Send a text In today's episode, we delve into the remarkable story of how JP Morgan Chase became the largest bank in the world. From its humble beginnings to its rise as a global financial powerhouse, we'll uncover the key milestones, strategic decisions, and factors that propelled this iconic institution to its prominent position in the banking industry. Join us as we explore the vision...

Send a text In episode 2 of the Company Spotlight series we explore the world of tech companies invading the finance industry, and specifically Apple, the tech giant that's not satisfied with just dominating the smartphone market. Apple decided to dive headfirst into the finance industry, and boy did they make a splash. With Apple Pay, you can now buy a coffee, a burrito, or even a new pair o...

Send a text Starting and scaling a successful startup has never been easy, but in today's climate, it's more challenging than ever. With recent events, such as the collapse of SVB and the slowdown in venture capital, access to funding and resources has become increasingly difficult. For startups to survive, they must have access to the right support and resources. That's where Micro...

Send a text Every minute, 990,000 Tinder profiles are swiped, 156 million emails are sent, and 16 million text messages are sent out. Moreover, Google processes 40,000 searches a second and 1.4 billion people log into Facebook every day. We live in a digital economy, and it runs on data! Just think about it, every time you check your Instagram or Twitter feed, Google a new recipe, or search the we...

Send a text Governments are going BIG on batteries! As the world transitions towards cleaner energy sources, Governments have recognized the importance of securing battery supply chains in the transition towards a more sustainable future! Some of the biggest government spending packages on battery production incentives include: The US Department of Energy's Advanced Technology Vehicles Manufa...

Send a text It seems like every electronic device these days involves some type of battery - your phone, your laptop, and even your CAR! We had another year of SuperBowls boasting new EV production cars from traditional manufacturers like GM, Honda, and Hyundai. The consumers have spoken and the demand for EV's cannot be stopped! But what's taking so long to get to an electrified future?...

Send a text Transporting people and cargo across the globe is almost as old as time itself! With shipping accounting for 90% of World Trade, it was surprising for us to learn how outdated the industry is with regards to technology! The maritime industry is still very manual, and highly regulated making it a herculean task to even propose bringing about change! But COVID flipped this entire narrati...

Send a text In the past 2 years, inflation has been making headlines all over the world! To add to the higher grocery and utility bills, payments processing companies added on higher fees in 2022. Now, as an average consumer, you may not notice these increases so much! But small businesses, the backbone of the economy, is once-again feeling the squeeze.  For a business, it's almost impossible...

Send a text In the previous episodes, we’ve chatted about currencies and how cash was increasingly playing a smaller role, even in fast growing countries like China & India! The disruptor, that helped transition countries into cashless economies: Credit Cards and Debit Cards. In 2021, transactions on these plastic cards hit $6.7 TRILLION USD. Like many other technology industries, COVID helped...

Send a text Technology is changing finance in developing countries. The Pandemic turbocharged it. With a staggering 650 million Internet users, India has been one of the biggest winners of digitization and by some degree! Just a decade ago, India’s millions of small business owners used only cash to transact. Now they use phones. This has been nothing short of a financial revolution, as Mobile pay...

Send a text The dollar tumbled to a nine-month low against the euro this past week, after data showed U.S. inflation was easing, prompting bets that the Federal Reserve will be less aggressive with rate hikes going forward. But this isn’t new.. The greenback’s share of global foreign-exchange reserves has extended a two-decade decline, but it’s still used more than all other currencies combined. ...

Send a text Two months ago, the British government released a “Growth Plan” that talked about tax cuts worth about $45B. That led to a series of events that culminated in Lis Truss going into the history books as the shortest-termed Prime Minister in the UK. Things are not looking good for the UK economy, with interest rate hikes and soaring inflation! Add to that the Sterling Pound Specifically,...

Send a text In early 2021 the dollar was near its lowest level in more than five years against a broad basket of currencies Fast forward to July of 2022, the dollar reached parity with the euro for the first time since 2002! The dollar has been on a tear! climbing by around 20% over the past year against a basket of global currencies, and is at its highest level in 20 years. And this has been a wr...

Send a text During the pandemic, the way you’ve eaten has likely changed. Either you ate out less, you cooked more, or you wholeheartedly embraced food delivery such as DoorDash, Deliveroo, Grab, Swiggy or Zomato based on where you live. The Food Service industry was worth over $900B in 2021 just in North America and it’s only getting bigger. It’s also changing.. you may have experienced it alread...

Send a text One of the highest consumers of electric power are data centers. According to the International Energy Agency (IEA), the data center industry, accounts for approximately 4% of global electricity consumption and 1% of global greenhouse gas emissions.  To top it off, the carbon dioxide emissions of data centers are comparable to that of the aviation industry. The data center industry is...

Send a text Whether you’re streaming "House of the Dragon" on HBO or just chatting with your friends on Whatsapp, both cause a chain reaction and use energy. Today nearly all the world's Internet traffic goes through data centers or DCs for short. and it all the crazy things we do on the internet from cloud computing, AI, self driving to streaming your favourite shows on Netflix. Th...

Send a text As of 2022, approximately 95% of organizations are using cloud computing for their work and nearly 85% of companies have deployed their workload on cloud in 2021. Furthermore, with the rising usage of internet and mobile phones & laptops, digitization is flourishing rapidly. Cloud computing is clearly here to stay.. and it's still growing.. but what drives the cloud in the phy...

Send a text Hey THC Listeners! Jed has had a family emergency come up and had to fly to the Philippines to take care of family. As a result we at THC are taking a short break and we'll have an impressive lineup of  of guests for our awesome listeners when we're back.  So stay tuned, as you’ll be treated with an incredible pipeline, of ideas and conversation about the ever-changing digita...

Send a text It’s happening. AWS is no longer the only cloud heavyweight doing business with the US Government. Azure has recently signed a $10 Billion deal with the DoD. Gartner reports that AWS is still a better product than most competitors, in terms of what they offer and the quality! But some ask if it's fair that the DoD is only doing business with Amazon, a representation of perpetuatin...

Send a text IBM, Google, Microsoft, and Amazon are all taking the helm for the cloud renaissance. Gartner says that in 2021, spending on public cloud services could go over $330B. All types of industries and even GOVERNMENTS are moving their infrastructure and technology to the cloud. There is tremendous opportunity to build on the infrastructure of the cloud. AWS has been the clear winner for a w...

Send a text We're revisiting some of our favorite deep dives with industry experts from past episodes. A global transition to clean energy is underway.  What technologies will be essential to this zero emission future? Well, Battery costs have decreased significantly - Lithium battery costs have fallen by a STAGGERING 98% in 3 decades! All the growth and investments in renewable electricity a...