If you want to start a financial company, instead of spending two years and millions of dollars in forming tons of partnerships, you can get all of that as a service and get going.
Andreessen Horowitz

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Embedded Finance refers to non-financial companies that have value propositions that are significantly enhanced or even transformed through the associated financial products and services embedded within.


Embedded Finance was the hot topic of 2020, and it will only continue to be more fascinating in 2021 and moving forward.

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There is no reason Venture Capital industry dynamics and early-stage investment frameworks should be opaque, and we should aim for a world where capital is a commodity, information is free, and there is an even playing field between founders and VCs. See some of our writing on venture and business models here and our 2020 EOY Report.


We are still trapped at home, but the pent-up demand behind domestic holidays/staycations, the establishment of travel bubbles and travel corridors reflect a long-term future where we return to the world of travel. COVID-19 vaccine optimism is also starting to flow in at a startling pace.


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As we at Saison Capital looked back at our LP winners, and improve on LP strategies moving forward, we were particularly excited by the rise of first time GPs, and micro-VCs [defined as <150m].

Within early-stage GPs, we found 3 buckets of GPs that existed:

Category #1: Mass portfolios (“Spray & Pray”)— w/ 1–3% ownership — typically 100k-200k ticket sizes, with 20 to 80 companies per fund


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We are happy to be able to announce that we have joined the SG United Program, where we can now offer an additional VC Associate Traineeship under terms sponsored by the Singapore Business Federation and Workforce Singapore.


Talent freshness is the issue of candidate relevance to the job market — i.e. not just that a candidate had been looking for a role, but how ‘fresh’ is their desire to find a new role.


Co-authored by Jeremy Au and Chia Jeng Yang

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You are probably aware that Southeast Asia is one of the world’s fastest-growing tech opportunities in the world. The internet economies in Malaysia, Thailand, Singapore, and the Philippines are growing by 20–30% annually; Indonesia and Vietnam are growing in excess of 40% a year. With the third-largest labor force, behind China and India, SEA has outpaced the rest of the world on growth in GDP per capita since the late 1970s. …


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Fintech is a vast, endless place, which makes the trend of infrastructure democratization even more exciting. We have previously written about the types of fintech infrastructure, specifically about embedded finance in ‘An Introduction to Embedded Finance’.


Imagine the operating system of Indonesia’s 60 million micro-businesses, and you will imagine BukuKas. Accounting for 90% of employment and 60% of GDP, these micro, small, and medium enterprises (MSMEs) are the engine of Indonesia’s vibrant economy, growing at twice its overall growth rate. …

About

Chia Jeng Yang

Principal @ Saison Capital | Consumer/fintech investing | Angel/Operator | work with smart people on projects: http://chiajy.com

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