Venture with Grace Vivek Krishnamurthy, Commerce Ventures Partner on Fintech & Insurtech
Nov 1, 2025
Vivek Krishnamurthy, a Partner at Commerce Ventures, is a FinTech and InsurTech expert with a background in investment banking. He dives into the current macro trends and the evolving landscape of M&A in these industries. Vivek discusses the transformative potential of AI, emphasizing its role in reducing integration friction and enhancing data portability for better financial outcomes. He also touches on the future of stablecoins, tokenization, and their competitive edge in remittances, painting a vivid picture of where money management is headed.
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Early Business Lesson From High School
- Vivek started a high-school food distribution business for a class $100 challenge that ended with a court injunction.
- That early experiment pushed him from wanting to start companies to learning how great companies work in banking.
Commerce Ventures' Focus And Strategy
- Commerce Ventures focuses on fintech and commerce infrastructure, applications, and some full-stack financial services.
- They invest small early, targeting enabler layers and vertical enterprise apps with longer life cycles.
Money Flows Favor Ownership Of The Customer
- Massive volumes flow through financial services and insurance, so TAM isn't the constraint.
- Winning means siphoning small streams of IT spend and owning customer relationships to surface more financial solutions.
