Ashraf Hebela, Head of Startup Banking at J.P. Morgan, brings a wealth of experience from his 13 years at Silicon Valley Bank. He discusses the declining unicorn creation rate since 2021 and how 'Founder Mode' might hinder progress. The conversation highlights emerging startup hubs like Seattle, Austin, and Miami, emphasizing the necessity for resilience and passion in today's founders. Hebela also addresses the rise of fintech and robotics investments, pointing out the shifts in the startup ecosystem beyond traditional tech hubs.