Tommy Nicholas·Mar 18, 2019Immigration StatusAlloy is making an important update to our Terms Of Service: financial institutions may not use Alloy’s product to deny a customer access…
Tommy Nicholas·Nov 16, 2018The cost of no identityIdentity is kind of our thing at Alloy. We spend our days figuring out how to assess people’s identities using data, ensuring people…
Tommy Nicholas·Feb 18, 2017Fintech Needs Business Model InnovationI love fintech, but fintech got problems. Financial technology has plenty of hype, with many going as far as to say banks are going to have…A response icon5A response icon5
Tommy Nicholas·Dec 23, 2016What’s stopping users from loving fintech?Average people do not love fintech. In fact, in many cases they hate it. I’ve seen this first hand since I took the (currently on pause)…
Tommy Nicholas·Dec 23, 2016Odd bedfellows: what a Bitcoin company can learn from the strange history of VISAWhen the founder of VISA Dee Hock joined the advisory board of Bitcoin startup Xapo, it seemed pretty strange to me. After all, Bitcoin’s…A response icon2A response icon2
Tommy Nicholas·May 24, 2016Why is raising your seed round pre-launch often easier?Investors love traction. Even at the early seed stage, almost every investor has “traction” near the top of their list for what they look…
Tommy Nicholas·Feb 6, 2016Why simpler is always betterIn 2010, a multi-featured location-based app called Burbn pivoted and became a simple photo-sharing app called Instagram. Less than 2 years…
InShekel MagazinebyTommy Nicholas·Jun 12, 2015Odd bedfellows: what a Bitcoin company can learn from the strange history of VISAWhen the founder of VISA Dee Hock joined the advisory board of Bitcoin startup Xapo, it seemed pretty strange to me. After all, Bitcoin’s…
InShekel MagazinebyTommy Nicholas·Jun 8, 2015What’s stopping users from loving fintech?Average people do not love fintech. In fact, in many cases they hate it. I’ve seen this first hand since I took the (currently on pause)…
Tommy Nicholas·Jan 22, 2014The male-only version of the Female Founders ConferenceJessica Livingston, Y-Combinator, and Hacker News
