In Affärsmodellbloggen, Weekly disruption feed

Enjoy this weekly feed of inspiring, interesting and intellectual articles and news, with a focus on disruption!

Paypal launching banking services

Today Fintech isn’t a particularly new concept, and while banks were terrified a few years ago they have come to see most of the fintech firms as “not a threat to our core business”. While it’s true that many have come and gone, some have also become giants and are now starting to expand their product/service portfolio. Paypal are on the road to launch debit cards (credit natural next step) and other banking services like a salary-account. Here in the Nordics Klarna and Tink have both launched saving products and Tink make it real easy for users to switch their mortgage provider (takes 5 minutes) based on analysis of their finances and the best available interest rate (from several banks). So as these “newcomers” are starting to, slowly but surely, take more and more pieces of the cake it sure seems traditional banking should be quite concerned…

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Your house powered by your car?

A somewhat unpredicted possibility has arisen in connection with an increasing fleet of electric cars. To use the batteries inside electric cars as storage for the entire public power grid. Energy generated by wind and solar farms often goes to waste because there’s nowhere to store it, energy that could be stored and utilized to a greater extent by the use of car batteries. Especially since the newest electric vehicles can hold enough energy to power the average U.S. home for several days.

The utility energy market will not change overnight, and it is still unclear how such a solution would work from a business point of view. However, something that is clear, is that the number of electric cars will increase rapidly and thereby the ability to store energy.

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Swedish roads to charge vehicles

In Sweden a test road of 2 kilometers has been built, with a rail along the road to charge vehicles driving on it. “Think of it like the old Scalextric electric toy cars that drew power from the track”, and additionally this system can even identify which vehicle/user should be charged. By calculations, if about 4% of the roads in Sweden are covered that would be enough to eliminate all range anxiety (given the capacity of today’s EV batteries). Additionally the system is about 50 times cheaper than an urban tram line!

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