Simon Khalaf
@Simonkhalaf
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Fintech, labortech- The next 10x opportunity . Tweets are my own, unless otherwise stated & re-tweets are not an endorsement, just a noteworthy share
Joined March 2010
We are a worker first company and we will remain worker first. Even with Hypergrowth and market expansion, our workers remain very happy with 55 NPS. @WorkWhileAI
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This is smart!.
It is hard for me to put into words how excited I am about this. We @a16z are extremely proud to be associated with it.
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An AI-first mentality always seeks ZHI (zero human intervention). We may not get fully there, but very close to it @WorkWhileAI
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and no when cards are used to re-pay the BNPL loan, this is not counted here.
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👍👍👍.
Jamie Dimon, JPMorgan $JPM Q2 2025 earnings call: “[ Fintech ] guys are very smart. They're trying to figure out a way to create bank accounts and get into payment systems and rewards programs. We have to be cognizant of that. Way to be cognizant is to be involved. So we're going
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In the consumer credit card market, Banks only make money when consumers revolve (basically don't pay their full bill). This is their profit center, and per the attached chart, that center is being eaten "fast" by BNPL. @Affirm @Klarna @AfterpayUSA @sezzleinc
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Prime Day event drove over $24B in U.S. e-commerce sales, gen AI traffic was up 3,300% via @techcrunch.
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First the ignore you, then they ridicule you, then they fight you and then you win!.
Jamie Dimon says private credit is dangerous—but he’s having JPMorgan jump in with a $50 billion bet.
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For all the economists that predicted a recession with Tariffs, can you please share and explain what was wrong with your models? May be it is an opportunity to learn.
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This is not good! while rent is affordable now, it doesn't create asset class appreciation.
Renting is now significantly more affordable than buying a home — by one of the widest gaps ever recorded 🚨🚨
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50% of the jobs today won't exist in ten years, but AI has the potential to create a lot more jobs. They will simply be different.
🚨🇺🇸 AI THREATENS TO WRECK MILLIONS OF JOBS. Artificial intelligence could threaten up to 40% of jobs worldwide, especially in clerical work, legal research, and customer service, while fields like engineering, coding, and creative industries stand to grow. Analysts predict AI
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While the consumer banks are fighting you, you will win!.
Still the same mission 13+ years later: build honest financial products that improve lives. No gimmicks. No gotchas. Just smarter underwriting and a payment network aligned with consumer & merchant needs. Thanks @bbcworldservice for the conversation:
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JPMorgan Chase has only 10% of the working class based on our @WorkWhileAI data. So this may be a storm in a tea cup. But other banks will follow suit. Watch the space. We will fix it and take care of our workers. We have the data, and it is our workers. It doesn’t belong to us!
The empire strikes back . Banks need to get paid . But jacking up fees unilaterally is harmful to consumers and the overall market. It's irresponsible. Consumer permissioned data gave us cashflow underwriting. A major lifeline for low income populations. While banks chase
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Banks (JPM) putting a big tax on Fintech by charging for data, might hurt fintechs in the short term, especially those that use cash flow data to underwrite short terms loans (BNPL or small loans). The fintechs will innovate around this and thrive further, but the biggest losers.
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🚀👍.
@owenbjennings @torovictorioso You Bet! 👍 everyone (in the industry) knows that the ONLY way banks make money in traditional cards is when consumers go into penalizing debt. Rewards are like the cheese on the mouse trap. Mice always wonder why it’s free! What the team at cashapp/afterpay have done is what all.
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