The operator's playbook: Opinions and thoughts from the QED collective

A look at the role APIs play in SaaS unit economics and how these power dynamics have fundamentally altered the long-run view of customer experiences and buying expectations in financial services.

A new type of lending is characterized by five main features: It is embedded, it operates in real-time, it underwrites with sources of data previously inaccessible, the collection mechanism is “default on”, and the use of proceeds are laser targeted.