2015-07-23 at

The Hipsterisation of Investment Banking

That one time an investor offers to buy a put option for his stake at 10%, and I try to convince him that taking a 20% convertible note would make more sense. #tooHonest

Now this is the second new cafe business I've worked on that seems overly engineered, financially.

And then it occurs to me that in the future personalised banking market, with sophisticated middle-class investors, and mature governance over small businesses - the role of the personal banker is to locate good deals in hyperlocal scale, and to structure instruments about them.

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