“From my point of view, the only way for us to tackle 25000 islands without doing everything ourselves and doing it cost-efficiently is to go via partnerships,” says Junkai Ng, CEO and co-founder of Janio.
“We [are] the one of very few businesses that are actually doing well during this time. Our traction has grown more than 10x so far and transaction volume also increased, average value per order also increased, brand awareness also has improved significantly…”
Proptech has taken the same approach to value chain digitalization as other industries, starting with discovery, but post-discovery value propositions open up a wealth of opportunities for proptechs. Samir shares learnings from the evolution of business models in the proptechs and looks at what to build next in the space.
Insurtechs have the potential to push the insurance industry out of its inertia, but finding distribution fit is a key challenge. Samir surveys various insurtech models and identifies the approach best positioned to disrupt the traditional offline distribution.
“We realized that, as we were building Aspire, that a full generation of new entrepreneurs and business owners, they didn’t have a banking brand that they felt connected with and that was offering digital financial services with speed and transparency that they expected…”