Merryn Talks Money Money Stuff Podcast: Stripe's John Collison
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Dec 20, 2024 
Join John Collison, co-founder and president of Stripe, as he delves into the complexities of the financial services landscape. He reveals why payments are challenging, discusses the positive aspects of crypto, and shares insights on the relevance of IPOs. The conversation further explores the intersection of regulatory compliance and cryptocurrency. Collison also highlights an unusual investment in an airport and elaborates on the evolution of aviation safety protocols, merging finance with a passion for flying.
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Self-Funding through Monetization
- Stripe allows early-stage companies to self-fund through efficient monetization.
- This reduces reliance on traditional debt and equity financing, potentially disrupting venture capital.
Filling the SMB Lending Gap
- Banks have retreated from small business lending due to rising compliance costs.
- Stripe now partners to provide billions in programmatic, cash-flow-based loans to startups.
Debt Market Discrepancy
- Raising $100 million in debt is a competitive market.
- Securing a $5,000 loan for a small business has become surprisingly difficult.