PERSPECTIVES
Das Nexus perspectives on fintech, commerce and AI.
Perspectives on how financial services, commerce and AI could evolve, and the technologies, business models and structural shifts that could make it possible.
System Thesis
CONCEPTS
What could this look like in practice?
Employer Financial Services
Better financial services at the source of money.
Use the employment relationship—distribution, benefit economics, payroll data and repayment infrastructure—to create better cards, credit and financial products for employees.
ReScore
Prove you’re more than your credit score.
A consumer-driven credit profile that combines traditional financial information with new, consumer-curated signals to help creditworthy consumers demonstrate what conventional underwriting may not see.
Personal Modern Treasury
Let AI optimize how you spend and manage money.
An AI financial layer that continuously optimizes transactions, cash, debt, savings and investments on behalf of the consumer.
Dynamic Content Commerce
Pay for premium content across the web.
A shared publisher network where consumers can pay cents for individual premium content, supported by employer-funded information benefits and efficient global settlement.
ARTICLES
Your Company’s Next Valuable Asset Could Be Hiding in Your Inbox
AI developers are paying for company records. A framework for what your operating history is worth, and what you might give up.
7 min read
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Untapped Financial Network Inside Commerce Platforms
How commerce platforms could bring the power of the co-brand card to thousands of merchants.
7 min read
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The Fintech Business Hiding Inside Telecom
Telcos already finance the device. What if they used that relationship to become meaningfully more relevant in their customers’ financial lives?
9 min read
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