Charles Moldow

Executive Fellow @HarvardHBS | General Partner @FoundationCap

[Charles Moldow @cmoldow]

ななにーの流出まだもらえてない人いますか？
RT now ok
もらえてない人いいねとフォローとRTで全員行きます
https://t.co/yeXazqPbiL

[Charles Moldow @cmoldow]

Good 😊

[Charles Moldow @cmoldow]

Excited to return to @HarvardHBS as an Executive Fellow for 2025! As an HBS MBA ‘93, this is a full-circle moment - giving back to the next wave of founders & investors. Looking forward to the conversations, debates & learning as much from the students as they do from me.

[Charles Moldow @cmoldow]

Thrilled to announce @FoundationCap portco EvolutionIQ has been acquired by $CCCS for $730M 🎉

Congratulations to Mike Saltzman, Jonathan Lewin, @tvykruta, and the entire team on building something truly transformative.

https://t.co/LinmohpfWr

[Charles Moldow @cmoldow]

Despite billions spent on digital transformation, banks still struggle with customer acquisition & onboarding.

In Part 2 of my @FoundationCap series with @nicostainfeld, we explore how generative AI can finally fix banking's first impression problem.

https://t.co/Q1yfjj3hPs

[Charles Moldow @cmoldow]

Soon, we’ll be analyzing everything from customer acquisition to onboarding, engagement, and collections. Stay tuned for more.

[Charles Moldow @cmoldow]

Based on our convos with 20 banking executives across business, compliance, product and AI research, we’re writing a series of essays that examines how GenAI can plug into every phase of the customer journey.

Today we released the high-level overview: https://t.co/Q1yfjj3hPs

[Charles Moldow @cmoldow]

I've watched this cycle play out more times than I can count: today's market headwinds are just tomorrow's tailwinds in disguise.

[Charles Moldow @cmoldow]

Insurtech's $1.6 billion funding in H1'24 is a necessary culling of the herd.

Money flowing into insurtech dried up. Just $1.6B invested worldwide in H1'24—less than a quarter of the $8.2 billion seen during 2023.

[Charles Moldow @cmoldow]

Yes, the cost of capital remains high, and may for some time. But innovation that solves real problems will always find a market. The most resilient fintechs are doubling down on efficiency and profitability, positioning themselves for the inevitable upturn.

[Charles Moldow @cmoldow]

@granthpaulsen @joe_abdo So good.

[Charles Moldow @cmoldow]

Insurtech funding has been slow in 2024. No surprise there. But I'm seeing major carriers make two strategic bets:

1️⃣ Embedded insurance
2️⃣ Cybersecurity

The carriers that nail the trifecta—AI, embedded distribution, and cyber—will define the next generation of insurance.

[Charles Moldow @cmoldow]

I call it 'aggressive patience'—always pushing forward but knowing big wins take time.

Fintech founders: If you're ready to roll up your sleeves and play the long game, you've got a shot at reinventing finance.

[Charles Moldow @cmoldow]

Launching a fintech isn't all champagne and IPOs. It's a brutal endurance test.

Two decades deep in fintech have taught me this tough lesson 👇

[Charles Moldow @cmoldow]

Building serious value and a solid reputation is a 5 to 15-year game.

But here's why it's worth the wait:

Big banks are easy prey for smart fintech startups gunning for younger clients.