Shmulik Fishman is the Founder & CEO of Argyle, the consumer-powered income verification platform.

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Working Hard

My first job in high school was as an inflatable bouncy house installer. The days were long, starting around 6AM and often not wrapping until 10PM, and there was no shortage of heavy lifting, tangled cords, and angry customers in the heat. What made me successful was my determination to save up money. I’ve been […]

Teamwork
Working Hard

The Bigger TAM Is In Established Markets

Growing up, I was promised flying cars, but all I got for Hanukkah was an iPhone. Today’s generation is being sold the promise that the singularity is around the corner. But most Americans download and email PDF versions of their paystubs to their bankers. Over and over again, shiny objects like AI or Blockchain live […]

Finance
The Bigger TAM Is In Established Markets

Mr. Irrelevant

In 2022, the 49ers selected Brock Purdy as the 262nd pick in the NFL draft as their third-string quarterback. For the uninitiated, that’s dead last. Mr. Purdy will earn $870,000 for the 2023 season, making him the lowest-paid quarterback in the NFL. Compare that with household names like Joe Burrow ($55M), Patrick Mahomes ($53M), and […]

Teamwork
Mr. Irrelevant

Your Phone Number Is Your Password

164M workers are employed by 18M employers that use over 5.7K payroll processors in the United States alone. Each year, businesses spend over $11B to access the data within this network. And here is the kicker – Morgan Stanley estimates that nearly 72% of this income data is verified manually. Think of the last time […]

Market
Your Phone Number Is Your Password

Disarticulating CRAs

The 1960s was the decade of the Beatles, the civil rights movement, and the digitization of consumer finance. Banks discovered that they could move their records to computer terminals to slash administrative costs and make more money. It was a smash success. New revenue streams emerged, and banks began selling their own customers’ data on […]

Market
Disarticulating CRAs

Reports

In the before times, copying documents required placing a sheet of carbon between the paper used for writing and the one used for copying. The carbon would transfer the ink between the two pages. From handwritten notes to typewriters and now emails, “Cc” is used to convey the process of making a carbon copy of […]

Design
Reports