WorksheetsFintech Workshop - Oct 29, 2025
Total questions: 6
Worksheet time: 3mins
1. Which fintech vertical is the largest by revenues?
Payment
Lending / Borrowing
Trading
Insurtech
2. Based on Stripe's core approach, what mindset transformed online payments from a barrier to a building block?
Treat payments as a regulatory problem, not a tech one.
Treat payments as a code problem, not a finance problem.
Treat payments as a marketing problem, not a user one.
Treat payments as a hardware problem, not a software one.
3. What was Nubank's "purple card" launch in 2014 revolutionary for in Brazil's banking landscape?
The first credit card with embedded crypto rewards.
A no-fee credit card with instant app approval, slashing traditional annual fees of R$100–600.
A card requiring in-person branch visits for activation.
The first card with AI-driven annual fees based on spending.
4. Why did LendingClub pivot from pure P2P lending to a bank charter model in 2021?
To focus solely on retail investors for higher yields.
To eliminate AI credit scoring in favor of manual reviews.
To scale with institutional funding and deposits, bypassing P2P's low margins and SEC scrutiny.
To partner exclusively with traditional banks for loan origination.
5. What key lesson from Robinhood's 2021 GME saga highlights a risk of gamified investing?
It proved commission-free trading eliminates all market volatility.
It demonstrated fractional shares prevent retail investor participation.
It confirmed crypto integration reduces regulatory oversight.
It showed how thrill-seeking UX can drive gambling-like behaviors, leading to trading halts and a $70M SEC fine.
6. How does Lemonade's "Giveback" program differentiate its AI-driven insurtech model?
It charges premium fees to fund celebrity ads like Matt LeBlanc's.
It donates unclaimed premiums to nonprofits ($2.1M in 2025 to 45 causes), blending efficiency with social impact.
It requires manual adjuster reviews for all claims.
It focuses solely on parametric payouts without AI underwriting.
