Thanks for the write-up, Sofia! I really enjoyed reading this article, particularly because when I moved to the US for my undergrad, Capital One was the only credit card company willing to extend me credit given my non-existent credit history! Having said that, however, I was wondering on whether you had any information regarding how good they have been at predicting and managing risk given their riskier client profile. Additionally, do you think they are appropriately capitalized to ride out a wave of customer defaults, especially given that they don’t have customer deposits to fall back on? Thanks again!!
Great post, Alberto! One question that comes to my mind is do you think EasyJet will be able to continue with its low-cost offering once the airline has aged and matured. From my (limited) understanding of the airline industry, younger airlines tend to do better as newer planes have lower operating costs (as mentioned) and can pay their pilots and crew less due to their limited tenure. As EasyJet grows older, do you think they will be able to replenish their fleet to maintain a low average and more importantly, do you think they will be able to continue to pay their pilots a lower salary without losing them to competitors? Thanks!
Thanks for this post, Gaurie. Great to see some innovative solutions being experimented with to help the overburdened healthcare system. I would be curious to get your thoughts on how sustainable you think this business model is. In particular, are doctors likely to make enough money earning a fixed salary to ensure they do not switch to clinics with a more traditional business model? And, how many years of data are employers going to need to see to be convinced to pay higher premiums up front?