“Venture investing is about building large and sustainable businesses. Our capital allows companies to grow quickly and invest more in product. A good team understand that the quality of their product is the priority, if they get this wrong they will not retain customers and they risk the whole company with a major product outage or security breach. The balance is achieved by focusing development on what really matters for early customers.”

Co-working has been the ‘It’ workplace trend for quite some time now. By the end of the new year, nearly 1.2 million people worldwide will have worked in a co-working space. Enabled by mass mobility, it’s now forcing many of us to rethink the role of the traditional office building and ask the question ‘what’s the future for the office in a co-working world?’.

In recent years, video content has risen to become a critical weapon in the engagement arsenal for digital marketers. But aside from its potential to deliver messages in a concise, memorable and emotive way – prompting increased consumer-brand engagement – video is also now emerging as an important ranking factor for SEO, with Google’s ownership of YouTube meaning (unsurprisingly) that websites incorporating high-quality video can expect a significant uptick in their organic search traffic.

Digital media businesses are having a tough time of late. Traditionally, media companies rely on advertising for their revenues. But despite total global ad sales growing for many years, today 85p in every £1 is currently going to just 2 companies in the digital ad space; Google and Facebook. Media companies are left to fight for a shrinking slice of the pie.

What does this mean for newer media companies like Culture Trip that compete in this market? And, how can they use tech to help them monetise?

As startups often are, Habito began from my own simple story of acute frustration; I bought a house and the experience was nightmarish.

My home-owning dreams weren’t being quashed by the fault of any particular individual, company or intrinsic malice working against me. It happened because important processes – like home buying – have mutated over time into complex and convoluted chains of different stakeholders, from regulators to lenders, brokers to surveyors, estate agents, buyers and sellers.

I have been in tech recruiting for the best part of 25 years now, and I can safely say it’s an industry that systemically overrates technical ability and underrates behaviour. Invariably, issues that arise within technical businesses – and, really, in any business – don’t come down to technical competence (i.e. what people know) but have everything to do with behaviour (i.e. what people do).

Though Prodigy Finance has now extended over $325 million in student loans, the company began, humbly, over a couple of beers. My INSEAD colleagues and I sat around, nodding our heads in complete understanding as we chatted about the difficulties we experienced in finding the funds to pursue our MBAs.

We weren’t an anomaly. As many as 82% of Prodigy Finance-funded masters students have no alternative sources of educational financing. They’ve been accepted into top universities to pursue advanced degrees with potential for exceptional salaries – and banks can’t take that into account.