Economist trying to understand where finance goes next, and whether everyone gets to come along. Deputy MD @CFI_Accion
Washington, DC
Joined October 2011
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I’ve been somewhat baffled by the debate around how to regulate BNPL, particularly as the US and UK move in different ways. But ultimately the case for stronger consumer protection is getting hard to miss..
Nearly half of US users report a late payment
There is a legitimate counterfactual question: if tighter rules reduce access to BNPL, what happens next? Do people move to more expensive credit? Or just borrow and spend less?
Interesting paper on a fairly basic problem with AI evaluations: we often test systems as if their behavior will remain stable cl-eval.github.io/
I keep thinking about the experiment @HeikoHotz ran and discussed in this article oreilly.com/radar/engineerin…
The implications for micro and small businesses feel much bigger than they first appear. If AI agents increasingly become the ones choosing products and services, then digital inclusion starts to look very different
Edoardo Totolo retweeted
Every tech CEO for the last 30 years: College is useless. drop out of college and build something. Find a trade.
Also every tech CEO: *only hires from Stanford/MIT/Harvard*
Also every tech CEO: *spends millions getting their mid kids into Stanford/MIT/Harvard*
BREAKING: Chris Power CEO of Hadrian says “Everyone should tell their kids to quit college & get welding degrees”
"The country needs you."
“The next 2 decades is blue collar.”
Hadrian is also bringing back Pepperidge Farms & baking.
“All the white-collar jobs are going to get automated.”
“We’re gonna see massive hyperinflation in blue-collar salaries.”
"I think one of the greatest opportunities for private capital — apart from public-private investment alongside the Department of War (@DeptofWar) — is to build Chick-fil-A’s & bars around all of our factories.
That’s free alpha. Please come set up franchises around all of our factories. We need to eat so we can work harder for the country."
Chris Power (@2112Power) of @HadrianInc at Hill & Valley Forum 2026 (@HillValleyForum)
cc @macbohannon
Great article on Kenya's MSME sector. I particularly like the concept of 'stability entrepreneurs' - a testament to the resilience and vital role these small firms play in the economy. Their importance in providing stability amidst volatility can't be understated. #Kenya #MSME
Great @BD_Africa article on the #SmallFirmDiariesKE by @FSDKe Dr @amrikheyer on #MSME @financialaccess
businessdailyafrica.com/bd/o…
Learn more here: fsdkenya.org/blogs-publicati…
It was amazing being part of this forum, and congrats @PaolaAriasGomez for getting so many people, experiences and perspectives in a single event
"La transformación que requieren las microfinanzas no se limita exclusivamente a la digitalización. También se debe incorporar la resiliencia climática, y que la propuesta de valor gire entorno a la confianza y a la protección del cliente". @edso
Edoardo Totolo retweeted
As #climateshocks become more frequent and intense, people all over the world are attempting to build #resilience amid devastation.
Which countries are the most exposed to climate shocks and what is their ability to access financial services? bit.ly/3SlJOsE
Edoardo Totolo retweeted
#GlobalFindex 2021 financial well-being metrics show that only 55% of adults in developing economies are resilient to financial shocks. What can we do to help these populations build more #resilience?
Learn more: bit.ly/3f3fZy4
@LeoraKlapper @PiaRomanTayag
Edoardo Totolo retweeted
Britaly? You wish on.ft.com/3DekkYf
I'm super grateful for the chance to speak at #FIW22, and I want to thank Sonja Niederhumer for creating that fantastic illustration.
Here is the link to the full video in case you missed it youtube.com/watch?v=FFIFIvuV…
Embedded finance can offer many benefits to consumers, but it can also pose new risks. I am excited to talk about it at #FIW22 - Register for the event below
CFI's Edoardo Totolo will be the third #FIW22 keynote speaker! Don't miss him speaking about the promise and perils of embedded finance models.
Register for #FinclusionWeek 2022 today 👉 bit.ly/FIW2022
The global RFF event is an opportunity for stakeholders to share ideas, research, & solutions on emerging #consumerrisks in #inclusivefinance. Join the event, June 30 at 9am ET, convened by @CFI_Accion.
Register here: bit.ly/RFFevent
Edoardo Totolo retweeted
Jack Dorsey (@jack) - founder of Twitter and Square - is launching a web3 competitor called "Web5".
Here's the decentralized future that Jack's @TBD54566975 is building.
[1/x] 👇 🧵
Edoardo Totolo retweeted
It's an interesting data point that you can predict something will be ubiquitous when it still has only .4% of potential users, and yet you totally can. I remember this memo, and it was not seen as a risky prediction at the time. Insightful, for a big company, but not risky.
