BlockValue

Writes about growth and pricing for banks and Fintechs. Former Consultant (McKinsey, Simon-Kucher), Fintech Exec (PrecisionLender, Q2)

[BlockValue @BlockValu]

🔚 Thanks for reading! Follow for more breakdowns on pricing, product, and fintech strategy.

[BlockValue @BlockValu]

Chime’s IPO is finally here—one of the most anticipated debuts in fintech. But what really sets Chime apart isn’t just the hype; it’s their product and pricing strategy. Here’s what every financial services and tech company can learn from Chime’s playbook.👇

[BlockValue @BlockValu]

The lesson: If you’re building in fintech, SaaS, or anywhere in between, Chime’s model is a blueprint for how smart product and pricing strategy can unlock new markets and create real value.

[BlockValue @BlockValu]

Chime proves that you can take a generic product—basic banking—and win by customizing for a specific segment and aligning pricing to actual willingness to pay. Tech-enabled, ultra-targeted, and customer-first.

[BlockValue @BlockValu]

Risks ahead:
- Heavy reliance on interchange fees (vulnerable to regulation)
- Margin pressure from new lending products (e.g. MyPay’s tight economics, margin compression as they scale credit)

[BlockValue @BlockValu]

@poyark Good work, thanks! Hybrid pricing is definitely gaining traction also in the B2C space (e.g. Netflix), clearly per subscriptions alone are not enough for sustainable profitability.

[BlockValue @BlockValu]

If streaming pioneered modern subscriptions, are other industries next? How will this reshape pricing models, retention strategies & customer expectations?

#StreamingWars #Subscription #Netflix #FutureOfMedia #Pricing

[BlockValue @BlockValu]

💰 Is subscription-based streaming reaching its limits?

Netflix revolutionized digital subscriptions, but now streamers are scrambling to redefine profitability—even at the risk of frustrating consumers.

[BlockValue @BlockValu]

🔸 Ad-supported tiers are rising
🔸 Password-sharing monetization (Netflix: $6.99 per extra member).
🔸 Geo-pricing & VPN restrictions - battle for global revenue control.
🔸 Hybrid models (bundles, pay-per-view add-ons) signal a shift beyond pure subscriptions.

[BlockValue @BlockValu]

6) Has anyone else had a similar experience with apps charging hidden fees for basic payment services? Let’s talk! #HiddenFees #Payments #Restaurants

[BlockValue @BlockValu]

Just had a disappointing experience with @SundayApp. A hidden fee caught me off guard—and honestly, it didn’t add any real convenience. Let me explain. 🧵

[BlockValue @BlockValu]

5) This feels like an unnecessary surcharge disguised as convenience. If businesses want users to adopt #cashless solutions, they shouldn’t sneak in fees without transparency