Cofounders Notebook

Cofounders Notebook

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August 2025

To Become the Founder Who Builds a Unicorn Requires You To Pay School Fees.
In 5 years, Flutterwave became a Billion dollars fintech, Nala in its 10th year is still not a unicorn, The main reason is the founder and how much…
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Cofounders Notebook
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Dear Founder & CEO: If Your Company Advertised Your Job Today, Would You Be the Best Person for The Job?
Over 75% of startup founders are replaced as CEO before their company goes public. The reason is that they are under-qualified as CEOs but they are…
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Cofounders Notebook
⚽ If Tanzanian Fintechs Were EPL Clubs: A Fun Look at the Tanzanian Fintech Premier League.
If top fintech companies were Premier League football teams, which ones would represent Manchester United, Arsenal, or Liverpool?
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Cofounders Notebook
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This Is The End of Payments, The payments race is over. The next frontier is cross-border liquidity infrastructure.
I guess Companies like BOKU, VISA, Adyen, PayPal, and even Stripe will soon seek to acquire or partner with firms that built the compliant liquidity…
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Cofounders Notebook
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July 2025

The Real Money Isn’t in Remittances — It’s in B2B Cross-Border Payments.
From corpay to stripe, mastercard to tembo, remittances get the attention. B2B payments makes all the money.
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Cofounders Notebook
The Truth w No Filter: How We Hired Our First 5 People for a Fintech in Africa.
We hired our friends, Not because they were our friends, We hired them because they were real good and they have shown that they could deliver in a…
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Cofounders Notebook
4
A 25-Year Fintech Journey: How we went from sending money via email to just text me the money.
From Boom, Bubbles to Covid, This is my take on how we went from "You can email me the money using PayPal, to I will text you the loan repayment using…
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Cofounders Notebook
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From Kozmo to Uber: This Is the 25-Year Evolution of How Delivery Apps Ate the World.
Kozmo was too early—but also, Kozmo was right. The model failed in 2001, promising on-demand delivery, it then evolved into the backbone of commerce…
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Cofounders Notebook
Innovation doesn’t wait for policy, Innovation Leads, Policy Follows Progress.
Innovation starts outside—where the pressure is real, the problems are painful, and no one’s coming to fix them, so it is urgency that pushes real…
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Cofounders Notebook
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June 2025

© 2025 Reuben Mwatosya
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