Banks have long been able to thrive in a relatively closed market which was defined by regulation. But, recent technological innovations combined with deregulation all across Europe are profoundly changing the market. Today, there are three different types of new entrants which have the potential to disrupt the business model of retail banks according to Jean-Yves Bruna, a Chief Strategy and Development Officer in…

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Nelson’s tips on investing in Startups


Nelson Chu, investor at Kinetic Ventures

Why do Venture Capital companies invest in Startups? This is a question I addressed in a conversation I had with Nelson Chu, a managing director in an Atlanta-based VC. Nelson has been working in Venture Capital since 1998. He focuses on information and infrastructure technologies, enterprise and Internet software, and other emerging software and hardware technologies. He has led a broad range of Kinetic…

What does disruptive innovation really mean? Defining disruptive innovation seems simple and yet I have found no simple answers. Disruptive innovation means very different things to different people: some use as a synonym for “big innovation”; others equate it with novelty. And, as there is mounting pressure to “think different”, disruptive innovation gets great publicity. This may come at the expense of clarity in…

The Internet of Things started out as a RFID chip that was put on the products. This communicates information pertaining to time and location to other objects. With this kind of data, the refrigeration service provider will be, for example, collecting data on when their consumers consume their refrigeration service, where they consume it, and what their consumption habits are.  There’s a real question…