Understanding FIRE: A Philosophy For Financial Independence and Retiring Early

The promised land, in personal finance, is early retirement. Most of us would be lucky to reach it by age 60. And yet there are software engineers in Colorado and financial analysts in New York City crossing the finish line by their 30th birthdays. Say what?

Yes, there’s a new path toward early retirement. It’s an internet movement inspired, in part, by millennials and their changing perceptions of work, the rise of the gig economy, and skepticism toward traditional finance and its related institutions.

Even the name of the system inspires energy and passion. Are you ready to set your life on FIRE?

FIRE is Finance and Philosophy

FIRE (short for Financial Independence, Retire Early) is served in many flavors, all of which are based on core ingredients listed on Reddit’s financial independence sub-reddit.

At first blush, the principles look like they’ve been copied and pasted from your garden-variety personal finance blog: spend less, grow your income, harness the power of compounding. But FIRE really is more of a life philosophy than anything, combining personal finance with a DIY work ethic, opportunistic side hustles, life hacking, and the tenets of anti-consumerism.

Where the FIRE community definitely breaks from the personal finance pack is in its approach to spending and saving.

Set Your Savings on Fire

Perhaps you’ve already internalized the lessons of investing in low-cost, tax efficient mutual funds; of contributing just enough to your 401(k)s to get the employer matching; of padding the pot with some part-time work or other side hustle that brings in cash. That’s great, but it’s probably not enough to achieve FIRE.

When it comes to saving, FIRE does not screw around. According to the aforementioned sub-reddit, FIRE’s adherents strive “to save a large percentage (generally more than 50 percent) of your income to accelerate achieving FI.” This is quite a break from the dismal US savings rate, which clocked in at 2.7 percent in 2016. Layer in our proclivity for debt (and lingering student loans) and you can see that FIRE is an indirect rebellion against consumerism.

Now, there are two ways to boost your savings: by (not-so-easily) increasing your income or by (painstakingly, but anyone can do it) reducing your spending. Guess FIRE comes down on that one? “Your wants and needs aren’t written in stone, and less spending is powerful at any income level,”  the financial independence subreddit reminds us.

And yet it’s one thing to cut spending here and there, and quite another to follow the FIRE principle of “simplifying and redesigning your lifestyle to reduce spending.”

Just researching this story, though, I picked up some non-obvious behaviors that, put to regular use, might help me hit an aggressive savings goal, while simultaneously improving my quality of life. For example, I could take advantage of living in a dense and bike-able city to cut down on commuting expenses, all the while forcing myself to exercise. And instead of eating out, an alternative “affordable luxury” could be learning to cook.

This could even become a productive family bonding activity that also satisfies a creative urge, all the while improving our health (and of course saving money). The next level of FIRE includes elaborate strategies around credit-card churning and travel hacking, neither of which are for the fainthearted. The former involves signing up for new credit cards to capture the bonus (typically cash or airline miles), hitting the minimum spend, and then canceling before you have to pay the annual fee.

To hit the minimum spend (and liberate yourself to move on to the next card) there are more aggressive strategies like buying gift cards to places where you know you’ll shop in the future (i.e. Target or Amazon) or prepaying large expenses like insurance. While churning can be a profitable activity, it requires meticulous organization (one missed payment can wipe out the gains) and can hurt your credit in the short-term.

Most of the rewards from churning are in the form of airline miles. Travel hacking is the practice of arbitraging these miles to get the, umm, most mileage. Travel hackers delight in the fact that each accumulated point has a plethora of conversion options to maximize its value as a mile. A vanilla airline mile is generally understood to be worth 1 cent to 1.5 cents, yet travel hackers boast about redeeming a first class flight at what equates to amounts as high as 9.7 cents per mile.

Finally, there’s our largest expense: the rent. Blogger JP Livingston saved $2.25 million by the time she was 28, in part by living in a 325-sq-ft walkup apartment with her husband and their pet dog. Want to FIRE even sooner? You can draw inspiration from the Google engineer who saves 90% of his income by living in a truck.

What makes these sacrifices worthwhile? The holy grail is getting your total savings to equal 25 times your annual spending, a calculation implied by the Safe Withdrawal Rate, or SWR. The SWR, generally accepted to be 4%, is the amount one can safely withdraw from their nest egg, without risking running out of money.

Makes Sense, but it Ain’t for Me

Thankfully there are different kinds of FIRE to fit different kinds of lifestyles. There’s FatFIRE, for example, for those living in high cost cities (i.e. requiring $2 million of savings in New York City) while seeking to achieve FIRE with a “great lifestyle;” and leanFire for those capping expenses at under $40k.

Still unconvinced that FIRE is for you? Consider the final principle on Reddit’s main financial independence page: Discovering and achieving life goals: “What would I do with my life if I didn’t have to work for money?”

This cuts to FIRE’s existential core and applies to everybody. What is the relationship between your happiness and your money? What is freedom from the corporate grind worth to you—but more importantly, what would you do with this newfound freedom? For those of us slogging away at our desks decades away from retirement, it might feel like a moot point. But are we just subconsciously avoiding contemplation of the deeper meaning of our lives?

Mr. Money Mustache (nee Peter Adeney) is the frugality movement’s de facto chief evangelist. A former software engineer who blogs about personal finance, he says he and his wife cut back on spending and regularly saved two-thirds of their salaries, enabling them to retire in their early 30s. Free from the grind, Adeney theorizes that money obfuscates our understanding of ourselves and that FIRE is a mere beacon toward happiness. As he once told the Mad Fientist’s Financial Independence podcast:

By understanding what happiness means and helping to decouple the idea of happiness from owning certain things, you can really amaze yourself at how fun your life can be—because that’s the whole secret to living a rich life; it’s not feeling like you need more than you already have. … [R]etirement and early retirement and financial independence, it’s really a quest for happiness. So study that independently of the money, and then that makes the money part easier.

By: Khe Hy , Quartz

Source: Understanding FIRE: A Philosophy for Financial Independence and Retiring Early

.

Related contents:

The Myths & Realities of Achieving Financial Independence Archived 2011-07-14 at the Wayback Machine“.

What your financial plan should cover | Financial planning | GetSmarterAboutMoney.ca”.

Early Retirement Extreme: A philosophical and practical guide to financial independence.

Your Money Or Your Life: 9 Steps to Transforming Your Relationship With Money And Achieving Financial Independence.

A revolution in finance?”. Australian Journal of Management.

The Economic Value of College Majors”. Georgetown University.

Monetized time-space: derivatives – money’s ‘new imaginary’?”

Introducing the Financial System | Boundless Economics”.

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Oil Products Crisis: New Opportunities For Plant-Based Alternatives

getty

Vegetable oils are found in thousands of products, from cosmetics and shampoo to cookies and other food products. They’re also used for cooking by billions of people and, in fact, are the food commodity that’s growing the fastest, with demand consistently higher than supply.

Current disruptions in the worldwide supply caused by weather issues, armed conflict, supply chain disruptions and labor shortages are resulting in higher prices, causing a ripple effect of sticker shock throughout the food economy, according to Amanda Leland of the Environmental Defense Fund.

Biofuels, widely used in Europe and whose demand is increasing, are likewise affected. Businesses with interests in these and other vegetable-oil-related markets need to take notice. With oil products in crisis, there’s an opportunity for new avenues of increasing supply, including indoor farming and replacing certain vegetable oils with other types of oils.

Current Disruptions

Russia’s invasion of Ukraine exacerbated the shortage of cooking oils, especially sunflower oil. Before the war, Russia and Ukraine produced approximately 75% (subscription required) of the world’s sunflower oil. With countries banning Russian imports and the conflict preventing Ukraine producers from harvesting, the supply predictions plummeted.

The next year’s harvest for Ukraine looks dismal due to the country’s disrupted transportation system, labor shortages and other related factors. This has caused ripple effects around the world where sunflower oil is used, including in the U.K. and Germany.

The supply of vegetable oils is impacted by labor shortages due to Covid and weather issues as well as geopolitical conflicts. For palm oil producers in Malaysia, the second largest market provider, there’s an ongoing shortage of both laborers and fertilizer, hampering production (subscription required).

Meanwhile, in South America, where over 50% of the world’s soybeans are grown, labor problems and ongoing drought are severely impacting production. This will require food producers to adjust as soybean oil prices reach a nine-year high.

The Local Indoor Farming Opportunity

This problem has created an opportunity for traditional farmers. Farmers can fill the current need by starting to produce other vegetable oils such as olive oil, flaxseed oil, coconut oil, avocado oil, grapeseed oil and sesame oil, which can be used as substitutes for vegetable oils.

Controlled Environment Agriculture (CEA) is also a solution. The infrastructure required for a controlled indoor grow environment can be easily built or adapted from existing structures, and it uses far less water than a traditional environment. This can allow for optimal results in places where access to water and fertilizer are limited and as we continue to face issues of drought.

Advanced indoor grow operations use hydroponics and artificial lighting to better control growing conditions and offer plants the nutrients and light levels they require. Automated tools can match energy, water, fertilizer, air flow and other data points to increase yields and profits. (Full disclosure: My company, Pangea, produces software and smart lighting solutions for indoor farming.)

A data-driven approach with centralized controls makes the oil-yielding indoor grow market financially viable, especially in the face of global conflicts and labor shortages. CEA can localize the growing of soybeans, palm or other plants. This will shorten supply chains and provide a long-term answer to regional issues driving price inflation and disruptions for providers and the end consumer.

One form of indoor agriculture is vertical farming, which produces foods in stacked layers instead of a field or greenhouse, allowing for a smaller footprint. This technique is not new but has existed for hundreds of years. Contemporary vertical farming uses LED technology instead of natural sunlight; the integration of light and technology gives precise data to farmers to reduce the human error that comes along with growing crops.

A market report from Technavio, a leading global technology research and advisory company, predicts a compound annual growth rate (CAGR) of nearly 22% from 2021 to 2026 for the global vertical farming market due to increased demand and innovations in farming practices. The report points to the massive opportunity for localized indoor farming production of oil-yielding plants and the chance to address some of the supply issues with vegetable oils.

Techniques like these demonstrate how AgTech is quickly advancing to help secure a better future for farmers and consumers alike.

Source: Oil Products Crisis: New Opportunities For Plant-Based Alternatives

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This Week In Credit Card News: A Talking Credit Card; A Proposal To Drastically Cut Late Fees

There may be some relief on the way for consumers on credit card late fees..getty

Credit cards are not easy for visually impaired people to use because they can’t always see the terminal to know where to insert their card. But the main challenge for blind people is that they can’t confirm whether the price the retailer keys in is accurate. To alleviate that problem, French tech firm Thales has developed a credit card that talks.

This credit card doesn’t only contain a payment chip but another piece of electronics that enables you to connect it to the user’s cellphone. This connection enables the reception via Bluetooth of all the information that is displayed on the card payment terminal. The smartphone then vocalizes that transaction through a speaker or headphones in French, English or a number of other languages. [Marketplace]

What Fed Rate Increases Mean for Mortgages, Credit Cards and More

As the Federal Reserve has lifted its key interest rate several times over the past year, Americans have seen the effects on both sides of the household ledger: Savers benefit from higher yields, but borrowers pay more.

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Credit card rates are closely linked to the Fed’s actions, so consumers with revolving debt can expect to see those rates rise, usually within one or two billing cycles. The average credit card rate was 19.9% as of Jan. 25, according to Bankrate.com, up from around 16% in March last year, when the Fed began its series of rate increases. [The New York Times]

Credit Card Debt Rose Hand in Hand with Inflation Last Year

In the last quarter of 2022, the average credit card debt per borrower increased to $5,804, compared to around $5,100 for the same period in 2021 and 2020. Overall, collective credit card balances reached about $930 billion in the last quarter of 2022, an 18.5% jump and new record high, TransUnion says.

That tracks with previous third-quarter data from the Federal Reserve Bank of New York, which found credit card balances increased to $930 billion, a 15% year-over-year uptick. [Money]

85% of Consumers Feel More Secure in Life with a Healthy Credit Score

Of U.S. consumers, 85% say they feel more secure in the rest of their lives when their credit score is healthy, according to a national survey released by FICO last week. It also found that about one-third of Americans feel financially insecure, and 43% say the unstable economy is a barrier towards achieving financial goals. The survey results suggest that even during periods of economic uncertainty, good credit helps people feel more in control. [The Motley Fool]

Record $3.8 Billion Stolen in Crypto Hacks Last Year

A record $3.8 billion worth of cryptocurrency was stolen from various services last year, with much of those thefts driven by North Korean-linked hackers, according to a new report. The increase in crypto heists, from $3.3 billion in 2021, came as the overall market for cryptocurrencies suffered significant declines.

The value of Bitcoin, for example, fell by more than 60% last year. North Korea was a key driver for the surge in thefts, according to the report. Hackers linked to the country stole an estimated $1.7 billion worth of cryptocurrency through various hacks in 2022, up from $429 million in the prior year. [CNN]

It’s Live! Delta’s New Credit Card Benefit for 15% Off Award Flights

Delta and American Express officially launched TakeOff 15, a splashy benefit for both new and existing Delta SkyMiles American Express credit cardholders that gets you at least a 15% discount on SkyMiles award tickets booked through Delta.

TakeOff 15 is a new benefit for Delta SkyMiles American Express cardholders that provides at least a 15% mileage discount when redeeming SkyMiles for Delta-operated award flights. It’s available on both consumer and business versions of the Delta SkyMiles Gold, Platinum, and Reserve credit cards. [Thrifty Traveler]

Beyoncé Is Going on Tour, and a Citi Card Can Help You Get a Ticket

The demand for Beyoncé’s latest tour is sure to be astronomical for this global icon who hasn’t toured since 2018. If you’re hoping to catch one of Beyoncé’s U.S. concerts, your Citi card could help you score these coveted tickets. All Citi cards that have the Visa or Mastercard logo and Citi debit cards with the Mastercard logo are eligible.

Before registering for the Citi presale of your choice, you’ll first need to add your qualifying Citi card as a payment option in your Ticketmaster account. After adding the card to your Ticketmaster account, you’ll then have to complete the Verified Fan registration to access the presale. [NerdWallet]

American Express Launches Financial Management Tools for Small Businesses

American Express has launched a new service for small businesses that provides a way to manage their finances from a single point, a service which they call American Express Business Blueprint. Built on the Kabbage platform, which American Express acquired in 2020, Business Blueprint features cash flow insights and a way to buy digital financial products, such as a line of credit, from American Express. [Forbes]

Mastercard, Binance to Launch Their Second Prepaid Crypto Card in Latin America

Credit card giant Mastercard has teamed up with the world’s largest crypto exchange to launch another prepaid crypto card in Latin America. On Monday, Binance announced the launch of the Binance Card in Brazil. The new card is issued by Dock, a payment institution regulated by Banco Central do Brasil, Brazil’s central bank.

The new card will allow new and existing Binance users in the country with valid national IDs to make purchases and pay bills with crypto assets. The card is in a beta testing phase and will be widely available in the coming weeks. Brazil is the second country where Binance has launched the product, following Argentina in August. [Coin Telegraph]

Will Digital Wallets Kill Credit Cards?

Digital wallets, also called mobile wallets, are gaining popularity for their convenience and ease of use. Despite their growing popularity, digital wallets are still quite a way from cornering the payment market, in part because merchants are slow to adopt new payments processing technology.

While mobile wallets probably won’t be the default anytime soon, it’s not out of the realm of possibility to think we’ll do away with plastic credit cards in favor of digital versions sometime in the next few decades. [The Motley Fool]

The Capital One Venture X Business Card Will Launch Next Week

Last year, Capital One quietly launched a small-business rewards card available exclusively to clients with a Capital One Relationship Manager. The Capital One Spark Travel Elite card was noticeably similar to the issuer’s premium credit card, the Capital One Venture X Rewards Credit Card, with parallel earning rates, travel benefits, and annual fees. Now the cards are even more aligned.

The Capital One Spark Travel Elite card will rebrand next week as the new Capital One Venture X Business Card. The Venture X Business Card won’t be available to just anyone. As with its previous incarnation, you’ll need to apply for the card through your Capital One Relationship Manager. They’re like a liaison between business owners and the bank who help arrange accounts, loans, and other credit. [Business Insider]

For 18 years, I was the Chief Executive Officer of LowCards, a consumer resource website on credit cards.

Source: This Week In Credit Card News: A Talking Credit Card; A Proposal To Drastically Cut Late Fees

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Two Kinds Of Fintech Fraud And What Users Can Do About Them

 getty

Founder & CEO of MovoCash, Inc., where he’s combining the best of banking & blockchain through MOVO, a highly secure payment card platform.

Aspects of the fintech industry are in decline (e.g., stock price and valuation), and one cause may be a lack of security and an all-out assault by fraudsters (scammers, bad actors, etc.). A downturn in the economy doesn’t help, either.

Here are two issues and what users can do about them today, in simple terms.

1. First, fintech fraud can happen when scammers are able to sign up and use their app accounts to steal your money and launder it. Let’s stop the bad actors at sign-up.

2. Second, fraud can happen when valid users get scammed by giving their primary credit or debit card info to pay vendors they don’t know well (fraudsters as vendors). Let’s not give anyone the keys to our house or to our fintech balances.

Here are a few use cases that can help the non-expert better understand these security issues both at sign-up and during card use. See the suggested hints below for ideas to stop fraudsters.

Use Case #1: Find out if your fintech uses “push” and/or “pull” techniques to move your money into and out of your fintech account.

In a pull format, a fraudster can pretend to be you from within the fintech app (using your stolen credentials) and access your bank account via pull-access tools that act as the “middleman” between your fintech app and your bank. Then, they can send your money into their fraudulent fintech accounts, where it can be sent and spent freely.

That’s a major exposure. In a push format, the sender of money (you) must be inside of your trusted financial institution’s system/portal (your bank) and have full and secure access to all your money. Then you can confidentially send (push) it into your fintech account. That’s a lot harder for a fraudster to accomplish and means it’s far more likely to be you and not a bad actor.

Hint: Push for (look for) push only.

Use Case #2: Ideally, never give your primary card info (16 digits, expiration date and CVC) to anyone online or offline, be it card-on-file, for a subscription, a membership, a dinner or to pay for any product or service. Especially where the vendor has any capability to charge you more than you decided to initially pay them or the capability to charge you again at the end of some period, even after you told them to stop. Unfortunately, vendors can be scammers as well.

Hint: Look for multiuse virtual cards that disconnect from the primary card and its balances. These secondary cards can be instantly created and funded for the exact payment amount and be added to a digital wallet (e.g., Apple Pay, PayPal or similar) for hands-free ease of use without a physical card in hand. This gives you options and better control of your money when sending or spending it.

Another approach that can help is using PayPal to protect your primary credit or debit card, but even PayPal can have issues that can put users at risk of fraud. Fraud can hit both buyers and sellers, per government studies.

Use Case #3: The harder it is to sign up, the better! I know that’s tough to accept. But if a fintech lets you in too easily, then your assets are not as safe as they could be, as bad actors may be looking to join as users and create problems for you. Yes, it’s a pain to prove who you are sometimes, but without that, your money isn’t as safe and secure. And it’s mainly at sign-up. Just make sure your fintech is well known, highly rated and FDIC insured so you can share your personal info with confidence.

Hint: Don’t give up just because fintech wants to know so much about you. It’s actually a good sign and in your best interests!

Use Case #4: Be sure your fintech consistently monitors activity to watch for potentially fraudulent activity and then takes action, where necessary. If you’re a good user and they raise an issue with you, don’t be upset. In the long run, such security works to your advantage and the entire community.

Hint: Expect scrutiny along the way; it’s a good thing.

Use Case #5: Lastly, don’t be lax with card use just because you think the fintech and/or underlying bank will simply cover you in case of any fraudulent activity. They may cover you, but there are situations where they may not (e.g., if you’re slow in reporting the fraud), and the hassle factor is huge when having to change any and all legitimate and trusted card-on-file relationships you have. Plus, there are differences in the protection guarantees between credit cards and debit cards that may surprise you.

Hint: Don’t take unnecessary risks with your card info; it may eventually come back to bite you.

Per Bankrate.com: “Credit cards offer a few fraud protection benefits that debit cards don’t. Nearly all of today’s top credit cards offer zero fraud liability on unauthorized charges, which means you won’t owe a penny on any charge determined to be fraudulent. Debit cards also limit your fraud liability but require you to report your lost or stolen card within two business days to limit your liability to $50.

If you report after two business days but before 60, your liability goes up to $500. If just your debit card number is stolen and not the card itself, you are not liable for unauthorized charges, as long as you report them within 60 days of receiving your statement.”

Conclusion: Some of the potential solutions to fintech fraud issues are obvious and available today, as pointed out above. (Disclosure: My company provides such fintech solutions.) Once addressed industrywide, fintech has a bright future with a seemingly endless set of features, functions and benefits in the queue. Choose wisely and be aware of the use cases and liability protections discussed above.

The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation.

Founder & CEO of MovoCash, Inc., where he’s combining the best of banking & blockchain through MOVO, a highly secure payment card platform.

Source: Two Kinds Of Fintech Fraud And What Users Can Do About Them

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Basil Jarrett and Patrick Linton | Fraud in the cyber era Jamaica Gleaner

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The Next Fintech Revolution: Agriculture Finance

A farm worker labors in a field near the town of Arvin, California. California's Central Valley is ... [+]..Getty Images

The last few years of tech news headlines were dominated by the word “fintech.” From massive fundraises to customer growth to product launches to scandals – new disruptors were everywhere in consumer banking, credit, payments, investment, and crypto. You’d have good reason to think we’ve hit peak fintech.

But the industries where most fintech is focused today represent only a fraction of the $23 trillion global financial services market. Products like Cash App, Robinhood, and Chime all tackle markets that are intuitive to everyday consumers, but consumers only see the tip of the iceberg.

Fintech’s next wave will focus on improving the less well-known, less ‘sexy’ markets fundamental to the global economy – and one of the largest markets primed for disruption is agriculture finance. 2022 saw a quiet but steady rise in fintech products being built for the massive agriculture industry, and they’re only getting started.

So – why disrupt agriculture finance to begin with? For the two best reasons in tech: the size of the market and the limitations of existing service providers.

Looking at the US alone, while farms contributed $134.7 billion to 2020 GDP, the industries dependent on farming – food manufacturing, food services, textiles – contributed over $1 trillion to the economy, accounting for over 5% of annual GDP. For many emerging markets, agriculture’s share of the overall economy is significantly higher – as much as 25% in some countries.

And yet, financial services are not as competitive as you’d expect in an industry the size of agriculture. Looking again at the US market – one of the most well-serviced in terms of agriculture finance – farm debt has continued to climb over the last year, farm loan interest rates are rising sharply, and farm lending continues to increase while the number of farm-focused banks continues to drop.

In a world where demand for food is expected to increase 70% by 2050, requiring $80 billion of annual investments, sluggish legacy players create a large and growing opportunity for new entrants.

While ‘agriculture finance’ refers to a large and heterogeneous set of activities – equipment lending, supply chain finance, commodities trading, farm banking – emerging fintechs have been focused on a few subsectors:

Agriculture Lending: Oxbury Bank in the UK raised funding twice last year to originate £650 million in agriculture loans to UK farmers. Tarfin in Turkey and Agro.Club in Eastern Europe provide supply chain financing to underserved medium-sized farmers who generally have to turn to their ag input suppliers for loans at exorbitant rates.

Companies like Crowde in Indonesia and Campo Capital in Brazil set up a peer-to-peer farm lending network. Players like Traive, AgroLend, Terra LUNA3 +1.9% Magna, and Agree all tackle farm lending across Latin America. ProducePay allows Mexican farmers to take out loans secured by their US purchasers.

Farm Payments: Agriculture tends to be a lagging industry in the use of new payment methods, with transaction products like checks still estimated at 90% of the industry. Bushel recently launched a payment facilitator, digital wallet, and embedded payments feature that connects purchasers to 40% of grain providers in the US.

Pricing Data & Commodities Trading: The deep markets for grain, livestock, and other commodities are paramount to well-functioning agriculture supply chains, and accurate pricing data is the lifeblood of the industry. These markets let purchasers hedge against rising food prices, and large agriculture operations insure themselves against supply chain price fluctuations. FarmLead is one company focused on digitally connecting cash grain trading networks and integrating trade data into other farmer & grain buyer digital tools.

Insurance: Agriculture is the most delicately poised industrial sector when it comes to climate change risks, due to incidences of drought, flooding, and natural disasters. Insurance is incredibly vital to avoid the collapse of precarious farm systems, but traditional insurers have a hard time underwriting farms. That’s where platforms like World Cover, which provides satellite-enabled climate insurance to small farmers in countries like Ghana, Uganda, and Kenya, or GramCover, focused on providing insurance access to farmers in India, come into play.

Marketplaces: While e-commerce platforms like Shopify have opened up global retail markets to independent merchants, most farm marketplaces still operate as centralized offline exchanges. In Kenya, startups like Twiga Foods, FarmShine, ShambaPride, and M-Farm have built platforms to connect farmers directly with buyers, and list easily accessible price information.

Banking: The largest prize for fintechs is to win over new customers in one vertical, such as lending or insurance, and cross-sell them banking products built specifically for their needs. DeHaat in India provides financial services to farmers across credit, materials sourcing, advisory, and sales. New Zealand’s Figured provides financial planning tools for farmers. FarmDrive creates a credit score for Kenyan farmers. Seso provides hiring, workforce management, and asset management tools to simplify farm payrolls in the US.

Over the next decade, we will see a parallel market of products across all fintech categories – banking, lending, savings, payments, investment, HR, payroll, and trading – develop focused specifically on agriculture.

While agriculture may not be the most obvious market for fintech to pursue, it’s definitely one of the largest and most consequential, and I expect to see many of these companies grow quickly and dominate the next wave of fintech.

I write about financial technology, specifically its impact on financial inclusion and opportunities for future innovation.

Source: The Next Fintech Revolution: Agriculture Finance

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Related contents:

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