Kunle.app

Kunle.app explores the interconnectedness of cause and effect relationships within financial services and healthcare, focusing on topics like technology-enabled business differentiation, regulatory impacts, innovation in payment and banking, and leveraging transparency for better healthcare outcomes. The content spans from technical analyses to strategic insights.

Healthcare Innovation Financial Services Payment Systems Regulatory Impact Technology in Business Market Differentiation Cryptocurrency and Decentralization Electric Vehicles Banking Strategy Data Transparency

The hottest Substack posts of Kunle.app

And their main takeaways

January 2024: What if ACH had attachments?

314 implied HN points • 17 Jan 24
🕹 Technology Payments Messaging Innovation Data
  1. Payments innovation has focused on optimizing speed and cost over the past two decades.
  2. The messaging layers in payment systems have a bandwidth constraint that limits the communication of metadata and important contextual information.
  3. Increasing the bandwidth in the messaging layer of payments could allow for self-reconciling payments and eliminate the need for parallel systems for information exchange.

September 2023: How to build sustainably differentiated tech enabled healthcare services businesses

550 implied HN points • 18 Sep 23
🏥 Health & Wellness
  1. Healthcare and financial services are both capital intensive industries.
  2. Success in healthcare startups involves differentiating in reimbursement, patient acquisition, and operational models.
  3. A strong focus on innovative reimbursement models, clinical improvements, and operational efficiencies is key for tech-enabled healthcare services businesses.

June 2023: The competitors you should fear aren’t copying you

98 implied HN points • 25 Jun 23
  1. Competitors with original roadmaps are more dangerous than those who copy you.
  2. Originality can set you apart from competitors in crowded markets.
  3. Competitors don't have to be better to impact your business, especially in marketing and pricing.
Get a weekly roundup of the best Substack posts, by hacker news affinity:

January 2023 - Exploring the Healthcare Transparency in Coverage final rule

58 implied HN points • 19 Jan 23
  1. Regulatory changes can create opportunities for new businesses to emerge in industries like fintech and healthcare.
  2. The Individual Coverage Health Reimbursement Arrangement (ICHRA) could lead to a decoupling of employment and insurance in the US.
  3. The Transparency in Coverage final rule in healthcare mandates insurers to disclose negotiated rates with healthcare providers, potentially increasing pricing transparency.

Children of Durbin

98 implied HN points • 09 Mar 22
  1. The Durbin Amendment was part of the Dodd-Frank Act in 2010 to limit fees paid by merchants to banks for debit card processing.
  2. This regulation applied to banks with over $10 billion in assets, exempting smaller community banks.
  3. The Durbin Amendment was passed in response to the financial crisis of 2008.

Bank portability for startups

19 implied HN points • 15 Dec 22
  1. Bank portability is important for startups to avoid relying too heavily on a single banking partner.
  2. Having multiple equivalent partners or vendors for core functions can help startups mitigate risks and maintain service levels.
  3. Preparing for bank portability involves being proactive in finding and onboarding alternative vendors in case of emergencies.

Crypto Primitives

19 implied HN points • 12 Jul 22
  1. Crypto and decentralized finance need to provide valuable, useful experiences to be truly beneficial.
  2. Decentralization alone does not guarantee a trustworthy system.
  3. People may not want decentralization, but instead a trusted place to store their money.

Time to Money

19 implied HN points • 26 May 22
  1. Speeding up time-to-money for transactions creates more value than expected.
  2. Reducing the time it takes to receive funds can lower a business's working capital need.
  3. Companies like Stripe and Square succeeded partly due to their quick funds processing times.

Emergent use cases for transparency-in-coverage data

0 implied HN points • 21 May 23
🏥 Health & Wellness Transparency
  1. Price transparency can help consumers find lower cost providers for specific services, reducing out-of-pocket expenses.
  2. Access to in-network specialist information can prevent patients from facing unexpected high costs when seeking specialized care.
  3. Utilizing transparency in coverage data can streamline administrative processes for healthcare providers, leading to more efficient contract management and revenue forecasting.

Networked notebooks and engineering serendipity

0 implied HN points • 12 Aug 22
  1. Exploring GPT-3 and Dall-E in the context of engineering use cases.
  2. Discussing interesting ideas, potential issues, and commercialization strategies.
  3. Sharing insights on networked notebooks and fostering serendipity in engineering.

A series of cash flows and some risks

0 implied HN points • 09 Aug 21
  1. The post discusses a series of cash flows.
  2. It mentions some risks related to the topic.
  3. The author provides links for further information and sharing the post.