With fast-growing interest in crypto and the speed at which new protocols are coming out, the conversation around what constitutes ‘centralization’ vs. ‘decentralization’ is, as expected, getting louder.

The simplicity and lack of nuance with which we talk about centralization & decentralization has always made me uneasy. In both the crypto world and in the real world, we talk about centralization and decentralization as if they’re two distinct, mutually exclusive states.

“That system isn’t actually decentralized.”
“It will be ages before protocols reach true decentralization.”

We hear statements like these all the time — and, in the crypto community, centralization…


This is the first installment in “Where Are We?”, an ongoing series by Annika Lewis and David Phelps that breaks down economic theorists to try to figure out where exactly we are in a cycle.

For this first stab at determining just when and where we are, we’re looking at 2002’s Technological Revolutions and Financial Capital, by Carlota Perez. One of the great economists of our time, Perez is a leading thinker on technology and socio-economic development. Her book outlines a four-phased financial cycle depicting the archetypical sequence of capital deployment and market traction for a major technological revolution. …


The general macroeconomic narrative going around in North America these days feels something like:

  1. The economy was doing great pre-Covid
    A year ago, we were hit with a once-in-a-lifetime economic shock that took an otherwise-stable economy into shaky territory.
  2. Covid hit, and now we’re on the road to recovery
    After necessary stimulus, stocks are climbing again and unemployment is back down to reasonable levels. The world is emerging from hibernation, ready to spend, and the economy is slowly but surely getting back on solid footing.

Over the past year since Covid hit, I’ve spent a disproportionate amount of my free…


Source: Bloomberg

TL;DR

Snowflake is a heavy-hitting data warehouse company that’s poised to make a big splash when it goes public in the next few months. Can it out-compete the AWS, Google Cloud, and Azure goliaths?

The upcoming S-1 should shine some light on the company and its prospects, and there are a few things I’m very curious to see.

Setting the stage

For analytics geeks, it’s been awhile since we had an IPO to gawk about.

2017 saw Alteryx and MongoDB go public in pretty close succession, but since then, it’s been a bit of a dry spell.

I know lots…


I always wondered what it was like on the other side.

And no, I’m not alluding to the much-talked-about founder side vs. investor side here — I’m talking corporate vs. institutional venture.

Recently, I’ve made the jump to institutional venture, and several people have asked about the transition — hence, this post.

But first, some background:

A couple years back, I worked in Innovation Strategy at Capital One in NYC. …


I left New York City about a year ago now. Shockingly to many New Yorker friends of ours, my husband and I left entirely voluntarily while still in our twenties (more shocking yet: we *didn’t* leave for SF).

Having been removed from the city for a year now, I appreciate it even more than I did when I left. I’ve felt the exact same way with Toronto; my love for both cities seems to grow as time passes. Change has brought me perspective, and perspective has brought me gratitude.

I visited NYC last week and all of the feels came…


The day has finally come: one of the tech giants is *officially* dabbling in consumer-facing Financial Services.

I’m very surprised it took this long, and the tech nerd / ex-credit-card-analyst combo in me is way too excited to over-analyze this launch as two of my worlds collide.

During the big announcement at Monday’s event, Tim Cook said that this would be “the most significant change in the credit card experience in 50 years”.

A bold declaration, to say the least. Let’s dive in and assess.

The good: It’s a pretty impressive no-fee card

As someone who’s looked at the payments space for years, I will give Apple credit…


Since birth, it feels like, I’ve had a noticeable disdain for the Toronto Maple Leafs. Growing up, I remember yelling at the TV chirping Leafs players from a very young age, and being just so bitter when I’d get yet another Tie Domi hockey card in the Upper Deck packs that my brothers and I would go down and buy at Johnny’s Wax Pax after getting our weekly allowance.

Despite how deep my hatred of the Leafs was, I can’t seem to pinpoint where exactly it came from. I don’t think it was from my parents, whom I don’t think…


Last week, I attended the Women in Strategy Summit here in NYC along with several colleagues. Overall, I was very pleased with the sessions, which featured impressive speakers from a wealth of industries — and the conference struck a great balance between the ‘women’ part of the title vs. the ‘strategy’ part of the title, with interesting tidbits on everything from how a young, vibrant content strategist at Facebook knows she’s burning out at work, to how a VP at Soundcloud recently sought to shift its strategic mindset from that of a startup to that of a more established company.


Kate Crawford discussing AI and its social impacts at SXSW 2017

Typically, when I go to big conferences, I try and dabble a little bit in a variety of topics and spread myself thin to get a broad sense of what’s going on in the world. I expected I’d follow that strategy for my first ever trip to SXSW — but after attending my first couple of sessions, I knew that would not be the case this time. …

Annika Lewis

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