DAOs and Democracy. A real world example.
Jessica Ellerm – growth hacking | fintech | banking | payments
by Jessica Ellerm
2y ago
Over the past two years, during the course of this never-ending pandemic, I, along with roughly 1 million other New Zealanders living offshore have faced something we never, ever thought would happen. We’ve been locked out of our own country. While border closures to citizens initially started out as a brute force measure to limit the unknown impacts of an unknown virus, over time they morphed into a metaphorical slap down to any Kiwi that ever dared to dream of exploring what life might look like beyond the borders of the hermit kingdom. Who were we to dare to follow in the footsteps of other ..read more
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Conversations outside of numbers. The fintech challenge
Jessica Ellerm – growth hacking | fintech | banking | payments
by Jessica Ellerm
3y ago
Conversations outside of numbers – they’re the hardest thing in finance land. To explain and talk about a financial product without jumping straight to dollars and cents is something few have mastered. To avoid directly referencing risk and reward, or percentages and per annum’s when trying to explain how a financial instrument works is one of the hardest things. But if you’re to have any hope of engaging the masses, that’s exactly what you’re going to need to do, especially if you’re a fintech business in the wealth creation space, going after the everyday consumer. You have to find a way to ..read more
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#31daysofwealthhacks – the joy, the tears and the learnings
Jessica Ellerm – growth hacking | fintech | banking | payments
by Jessica Ellerm
3y ago
  After December’s gluttonous and debaucherous climax, 1 January can shine bright on many of our calendars as a day to mentally and physically reset. For some reason, the first month of the Gregorian calendar has an amazing ability to motivate us to abstain from alcohol, dust off our running shoes and chop up all our credit-cards. In fact, I’d say in our secular world, New Year Resolutions are as close to an atheist’s Lent as you’ll get, with most of us knowing someone doing something. For evidence to back up as to why, Christopher Ingraham’s Google Misery Index offers some interesti ..read more
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The tragedy of the data commons, and the fate of our future wealth
Jessica Ellerm – growth hacking | fintech | banking | payments
by Jessica Ellerm
3y ago
If time is the most precious thing any of us possess, why do we fritter away so much of it? We are remarkably content with exchanging our seconds, minutes and hours for very little in return. We do so with uninspiring, micromanaging employers, annoying colleagues, mind numbing Facebook news feeds, anxiety inducing messaging apps, banal reality television and useless, automated customer support desks. We try as best as we can to contain and protect our time. But it’s getting harder, through no real fault of our own. Now we have to contend with not just losing our time, but losing our data ..read more
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The billion dollar friction problem fintech could solve
Jessica Ellerm – growth hacking | fintech | banking | payments
by Jessica Ellerm
3y ago
Friction may be responsible for forming diamonds out of coal, and majestic mountain ranges from the collision of tectonic plates, but when it crops up between a procurement team and an accounts payable function, all it’s generally responsible for is headaches and dollars down the drain. As a business owner myself, I feel I can talk to this point with some real world experience. Accounts payable is the least fun part of the 5 or so hats I wear on a weekly basis. But as someone with an entrepreneurial mindset, living through the pain has also made me realise there is a real opportunity availabl ..read more
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Why brand will drive the un-commodification of the finance sector
Jessica Ellerm – growth hacking | fintech | banking | payments
by Jessica Ellerm
3y ago
There is no escaping the fact that the majority of the financial services we consume daily have become indistinguishable commodities to most of us. In a market where everything is various flavours of the same vanilla, customers either stick with what they have, or chase bargain-bottom pricing. “Who cares if we’re boring”, financial providers say to themselves. “So is everyone else”. But in the past few months something has clearly ruffled the feathers of a few sitting finance ducks – most notably those in Australia’s wealth management sector. These days it’s hard to go past a press article or ..read more
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Wealth, Superannuation and the new aspirational consumer zeitgeist
Jessica Ellerm – growth hacking | fintech | banking | payments
by Jessica Ellerm
3y ago
If you’re thinking about starting a choice-led superannuation business in Australia, it’s safe to say most people would consider you dead in the water before you’d even started. Why? Well, mainly because the majority of Australians are completely apathetic when it comes to making an active choice about their super. As a result, an overwhelming majority of us – 60 percent to be exact – are perfectly happy to let our employer default us into any super fund when we first start working. During this process we pay scant attention to fees, how the fund invests our money, or even actual performance ..read more
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Fintech sponsored #slacktivism – the ultimate Archimedes lever for today’s millennials?
Jessica Ellerm – growth hacking | fintech | banking | payments
by Jessica Ellerm
3y ago
Leverage. Understanding it and wielding it effectively is key to being successful in both business and life. And while at a personal level most of us consider ourselves in control of our own leverage – putting it to use in job interviews, pay negotiations and personal relationships – we are acutely aware of our lack of leverage at a macro-level. Who are we to change the world? Of course this is why the notion of democracy – our contribution to collective leverage – is such a powerful idea. But with politicians increasingly failing to deliver post polling day, there is a growing disillusionmen ..read more
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Why I started a superannuation fintech business
Jessica Ellerm – growth hacking | fintech | banking | payments
by Jessica Ellerm
3y ago
In January, if someone had of asked me how much I had in my super account, I probably would have sheepishly mumbled something under my breath and tried to change the conversation. The truth is, I had no idea. How embarrassing. For someone who worked in financial services, why was I so disengaged with the money that was ultimately going to fund my retirement? It was as if 9.5 percent of my monthly pay packet was simply vanishing into some ‘super’ ether. What was happening to it? Who was using it? I was clueless. Statistics paint a bleak picture  I wasn’t alone in my hapless, super state ..read more
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What’s wrong with superannuation and can fintech help?
Jessica Ellerm – growth hacking | fintech | banking | payments
by Jessica Ellerm
3y ago
CREDIT: DAI LYN POWER   In the past six months I’ve been spending a good deal of time researching and getting to know the superannuation sector. During this time one thing has become blatantly clear – it’s sort of far from super. For those of you who aren’t familiar with Australia’s compulsory savings scheme, superannuation consists of a 9.5 percent deduction from every working Australian’s annual pay cheque. Since it’s inception in 1992, the industry has amassed a phenomenal $2 trillion under management. I say ‘under management’, because despite growing and near overwhelming eviden ..read more
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