A2Z Fintech
Aman Narain & Zubin Vandrevala
3 episodes
S2E32 — AI Agents and the Future of Shopping: Who Pays When It's Wrong?
- Amazon blocked Meta's shopping agent on Sept 21 while Walmart opened its agent gateway on Oct 21.
- Agentic commerce forecasts span $144B to $5T, a 35-fold gap, while AI drives under 1% of retail traffic.
4 Nov · 41 min
S2E31 — The Future of Work: Banking the One-Person Enterprise
- Aman Narain argues that banks, pensions and labour law built for the industrial age are out of step with independent workers, who now face volatile, multi-source incomes.
- Record US business applications of roughly 4.4m, 5.4m and 5.1m from 2020 to 2022 show the one-person enterprise is growing fast, yet platforms like Uber and Shopify are becoming the CFO layer for solo workers.
27 Oct · 31 min
S2E28 — Is This the Start of a Revolut-ion? Inside the Rise of Nik Storonsky's $115bn Bank
- Revolut's audited return on equity is 26.7%, Zubin Vandrevala calculates, far below the 40 to 50% Nik Storonsky claims once excess capital is stripped out.
- Revolut keeps a loan-to-deposit ratio near 6%, while typical banks run near 100%, which limits its lending but keeps its risk low.
28 Sept · 1 h 3 min