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Archive for April, 2015


Shipping-as-a-Service

Written on April 29th, 2015

Sorry, we couldn’t help but pile on to the “…as-a-service” theme

April 2015

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Shipping-as-a-Service

With barbecue season fast approaching, we felt compelled to splurge on a special new cutting board worthy of our masterful steak.  Reminded of its recent IPO, we start browsing on Etsy and found the most wonderful Heisenberg cutting board.  For the non-Breaking Bad fans, we offer our sympathies.  Salivating at the prospect of cutting meat on our new board, we hit the checkout button and to our horror, the shipping costs come in at $44.06, which is more than the actual cutting board.  How can this be?  Everything is supposed to be instantaneous in the digital age.  Where are those fancy drones that Amazon has been working on?  After recovering from our post Heisenberg cutting board depression, we started doing some digging on how shipping and fulfillment actually works in the world of eCommerce.  Fortunately, we found some intriguing new tech startups that have the potential to really disrupt today’s shipping and logistics infrastructure.  Dare we call them “Shipping-as-a-Service” pioneers.

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Digital Money

Written on April 27th, 2015

Bitcoin and Beyond

April 2015

To download a PDF version, please click on the following link:
Digital Money

Prologue

At Difference Capital, we closely monitor the financial technology sector and have invested in a number of companies in the space, which gives us a unique insight into market trends.  Earlier this month, we launched our financial technologies series with “Making Cents of Fintech”.  For our second installment we are focusing on Digital Money – Bitcoin and Beyond.  Stay tuned for more installments to come.

Introduction

Digital money (or crypto-currency) has been around for a while but the concept has been rejuvenated with the rise in prominence of bitcoin over the past five years or so.  We are going to start with a high level description of what this concept entails and then quickly jump into some of the key investable areas that touch digital money along with providing our outlook for the industry.  Overall, we are quite enthused about the prospects of the new technology in helping to reduce the roughly $50 billion in annual friction costs associated with just the eCommerce and global remittance markets.  In the longer term, we see lots of potential to repurpose the bitcoin distributed ledger (or blockchain) for a host of other applications outside of the currency markets.

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Making “Cents” of FinTech

Written on April 20th, 2015

Canadian FinTech Innovators Driving Global Change

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Making “Cents” of FinTech

Canadian FinTech Landscape

It wasn’t too long ago that innovation in the financial sector was said to involve only innovative fees and tweaks to banking hours.  These days nimble organizations, both large and small, have begun to disrupt the Canadian financial landscape and unbundle (and improve) services that were traditionally the domain of only the largest financial institutions.  We’ve seen this disruption story play out many times in recent years (Google – advertising, Netflix – broadcast, Amazon – retail, Airbnb – accommodations, Uber – transport, etc.) and are now seeing it take hold in FinTech.

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