More About Joe
Joe Schmidt is a partner at Andreessen Horowitz, where he focuses on software, fintech, and insurtech investments.
Prior to joining a16z, Joe was the VP of Business Development at Ethos, a life insurance company offering families simple, affordable life insurance. While at Ethos, he started and scaled the agent business to millions in monthly revenue, while also leading sales and managing carrier and reinsurance partnerships. Before Ethos, Joe was an investor at Accel and worked for the Notre Dame Investment Office.
Joe graduated from the University of Notre Dame where he was a Buser Fellow in the Investment Office as well as captain and most valuable player of the football team.
Latest Content
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Much of what worked for traditional SaaS companies doesn’t hold true for AI. Here's how enterprise AI startups are adapting, growing, and breaking out.
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Enterprises buying AI are like your grandma getting an iPhone: they want to use it, but they need you to set it up.
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As we prepare to step into 2025, the possibilities for applied AI are reshaping industries in profound ways.
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Sales is evolving. AI-native systems are replacing traditional CRM tools, capturing unstructured insights from emails, Slack, surveys, and more in real time. These systems automate early-stage tasks like prospecting and...
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11x frees salespeople from the nightmare of administrative work and qualification drudgery by building digital workers that autonomously complete tasks for revenue teams.
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LLMs can now enable experiences that capture data at the point of creation in ways that were impossible for traditional software.
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3 financial service giants cornered the market on data at the dawn of the digital age. What can founders learn from them?
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Over the past decade, data infrastructure across industries has been modernized by many disruptors like Databricks, Fivetran, et al. The modern data stack has made it much easier for companies to ingest, store, query, an...
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Software crosses borders effortlessly. The globalization of money, however, is considerably more challenging. This is especially true for multinational businesses, which grapple with managing multiple accounts in diverse currencies, navigating costly foreign exchange rates, and unpredictable money transfers. As businesses increasingly embrace a global default, top fintech entrepreneurs are rising to the challenge, addressing cross-border infrastructure issues and offering comprehensive solutions. In this episode, a16z partners Angela Strange, Joe Schmidt, and Gabriel Vasquez discuss the challenges of cross-border payment infrastructures and what fintech entrepreneurs are doing to create a more integrated, financially inclusive world.
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金融業界ではもう10年以上にわたって、人工知能（AI）と機械学習（ML）が引受業務の改善や詐欺防止システムの強化などに幅広く利用されている。大規模言語モデル（LLM）に基づく生成AIによって飛躍的な進歩が可能になり、教育、ゲーム、コマースのあり方そのものまで変わってきた。これまでは既存のデータから予測したり分類することが主なAI/MLの使い道だったが、生成AIを使えばこれまでにない新たなサービスを生み出すことができる。
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How cross-border infrastructure, instant payments, and open banking advances are creating a more integrated, financially inclusive world.
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The company of the future is default global. Top fintech entrepreneurs are pursuing integrated cross-border payment infrastructure and full-stack solutions.
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Softwares são globais por natureza e transcendem fronteiras com facilidade. A globalização do dinheiro, no entanto, é um desafio muito maior.
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A medida que la compañía del futuro se vuelve global por defecto, ahora existe un verdadero catalizador para el cambio. Los principales emprendedores buscan una infraestructura transfronteriza que sea más fácil de usar e integrar, así como soluciones completas para las propias empresas.
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If you’re looking for something fun, or a bit more business-minded, to read, watch, or listen to, a16z’s Fintech partners have you covered.
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How large language models could help gather relevant data for with more complex underwriting processes, like commercial and life insurance.
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This deep dive explores the sustainable differentiation that results in a compounding flywheel, with a focus on financial services companies that sell commodity-like, nonphysical world products like money and insurance.
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The emergence of generative AI could yield the largest transformation the financial services market has seen in decades.
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When computers were first built, each new application had to be programmed specifically for each chip. This was very complicated for developers and, as a result, the companies that created operating systems to simplify t...
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Today’s startups are harder-pressed to manufacture explosive growth in short periods of time. Yet that's what they need to do to compete with big firms.
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If you were interested in quickly launching a startup, here’s an easy formula for finding product market fit. First, identify an existing product in an industry with a low NPS (like most financial services) that has not...
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As we write in our piece It’s All About The Money (Movement), moving money internationally is an opaque, fee-intensive process that requires two things: actually “moving” the money and leveraging onboarding and complianc...
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The way businesses move money internationally has not changed in decades. Why do cross-border transactions take so long and cost so much to complete? The distributed global ledger is to blame. Here are the three key wedges to create other types of business payments.
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Com empresas do futuro bem-sucedidas iniciando suas atividades em diversos países ao mesmo tempo, inúmeras oportunidades se abrem para startups ambiciosas que querem desenvolver os sistemas internos de software de que essas organizações precisarão para crescer.
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Much opportunity exists to build a modern software stack that supports the next generation of default global companies, from local employment law and talent sourcing to multi-country incorporation and expense management.
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A medida que los exitosos negocios del mañana se lanzan en varios países a la vez, abundan las oportunidades para las empresas emergentes ambiciosas que buscan construir los sistemas de software internos que estas empresas necesitarán para crecer.
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At its core, wealth management is fairly straightforward: an advisor helps a customer optimize their tax and investment strategies to maximize wealth creation and preservation. But while this premise may seem simple, its...
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This first appeared in the monthly a16z fintech newsletter. Subscribe to stay on top of the latest fintech news.
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Do SaaS para sistemas operacionais freemium: um novo diferencial para serviços financeiros.
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Plus, envisioning a new consumer banking stack, Apple & contactless payments, and building to reduce medical debt.
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Plus, credit reporting for BNPL, new regulations for payment apps, and is now a bad time to raise?
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In 2021, financial services continued to have its moment, with fintech fundraising surpassing all years prior. What's in store for 2022?
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a16z September Fintech Newsletter - financial tools for solopreneurs; plus, fintech as crypto goes mainstream, independent insurance agents on the rise, and fintech influencers in LatAm.