Taxonomy of more than 130 ISA companies in different sub-fields

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Key players of ISAs 2020, full table with links at the end of the article

In the last two years, Income Share Agreements (ISAs) have seen a tremendous amount of activity. The concept is simple: For a fixed payment, an investor gets a percentage share of the future income of a person. For investors, this opens a new asset class that behaves as a mixture between two large asset classes: consumer loans and classical stocks / equity. While ISAs have the upside potential of stocks, they have the temporary cash flow nature of loans, with additional similarities laid out below:


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Notable successes of CEE founders, source: Contrivance Ventures research

I have been active investing in early-stage startups through Contrivance Ventures in the past year. In this post I want to lay out the reasons for focusing on Central and Eastern Europe (CEE) as a region.

In an ever-connecting world, the location of a startup matters less and less. While Silicon Valley remains the classical hotbed of innovation and startups, it isn’t what it used to be. Startups are leaving Silicon Valley due to its high cost of living and the disadvantaged tax environment. …


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I have looked into facial recognition for consumers, and the results are impressive. What used to be in the domain of fiction or only accessible to law-enforcement has now fully entered the consumer domain. This article is structured into three parts:

1. Face search — Finding online pictures of the same face

2. Face search as a feature of Google and Facebook products

3. Future considerations

  • General outlook
  • Impact of deep fakes
  • Face recognition by governments and major internet companies

1. Face search

The promise of face search is that you can enter a particular image containing a face, and get other publicly…


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Photo by 🇨🇭 Claudio Schwarz | @purzlbaum on Unsplash

Seit einigen Wochen ist die Corona-Krise Thema Nummer 1 in Deutschland. Aktuell gibt es Ausgangsbeschränkungen in allen Bundesländern und die Leute bleiben zu Hause.

Ich habe mich gefragt, womit die Deutschen ihre Zeit verbringen und bin auf Google Trends gestoßen. Die Anzahl der Suchanfragen pro Tag ist eine gute Approximation dessen, was Leute beschäftigt, und durch Covid19 sieht man einen sehr klaren “Corona-Knick” in vielen Trends.

1. Last-Minute Friseurtermin

Bjoern Christian Wolf

Investor at contrivanceventures.com | Eclectic interests: FinTech (ISAs, index coins, Darknet markets), QS, genetics, psychometrics, gadgets & seasteading

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