Where they publish
Alex Lazarow ↗
What they write about
Venture Capital & Startups · Healthcare · Fintech · AI (Horizontal)
Recent posts
- What We Are Backing In Health↗ 28 Sept 2026
An investor outlines portfolio theses across six healthcare models—AI primary care, preventative D2C, decentralized hospitals, AI back office, insurance, and aging—highlighting bets and founder gaps.
- What we are backing in health↗ 27 Sept 2026
Fluent's investment thesis on global health: proven business models (AI primary care, D2C, home care delivery, practice software) working in one geography are being replicated across borders and sectors, with AI and localization as key multipliers.
- Why We Invested in Prosper↗ 27 Sept 2026
Fluent invested in Prosper, an AI-enabled concierge primary care platform charging $69/month. Founded by PlushCare's proven team, Prosper uses AI to give physicians time for continuity and relationship-building rather than replacing doctors, democratizing a traditionally luxury service.
- Why we invested in &you and the venture case for functional health in Southeast Asia↗ 27 Sept 2026
&you combines direct-to-consumer digital medicine with proactive health optimization in Southeast Asia's largely offline healthcare market, leveraging high smartphone penetration and unmet demand for safe, regulated alternatives to black-market medications.
- Five Things Bill Draper Taught Me↗ 16 Sept 2026
A venture capitalist reflects on five enduring lessons from Bill Draper—integrity, honesty about failure, conviction-based betting, relationship-driven investing, and the primacy of founder vision—illustrated through Draper's career spanning four generations of venture investing.
- Competition is for losers - the AI edition↗ 17 Aug 2026
Building fintech outside the SF-NY axis offers structural advantages in the AI era—geographic arbitrage, talent density, and compound startups are reshaping the competitive moat outside the US.
- Competition Is For Losers In The AI Era: A Geographic Perspective↗ 16 Aug 2026
Outside the US, AI-powered fintech startups face dramatically less competition in the same categories saturating Silicon Valley, making geographic arbitrage—combined with AI's ability to support multi-product "compound" platforms—a structural advantage for founders building in LatAm, SE Asia, MENA, and Africa.
- The Power Law Comes For Venture Capitalists Too↗ 2 Aug 2026
New research shows 90% of VC profits come from just 5% of individual investors—not firms. As consolidation accelerates, the data suggests venture is moving toward a "fantasy team" model where LPs back individual talent rather than platforms, reshaping how founders, LPs, and GPs compete.
- Three lessons from my 2023 conversation with Ray Dalio, founder of Bridgewater Associates 29 Jul 2026
- Tech Is Globalizing. The Money Is Lagging. 19 Jul 2026
- Trailer: Tech's Other 99% 19 Jul 2026
- Tech Is Globalizing. The Money Is Lagging. 9 Jul 2026
- Every Technology Wave Builds A Trust Layer. AI Is Building Its Now. 26 Jun 2026
- They Cook the Wine on Purpose 20 Jun 2026
- The Role That Shouldn’t Exist 14 Jun 2026
- Introducing Oath, our latest Fluent incubation 31 May 2026
- The Private Market Is Now The Real Fintech Index 20 May 2026
- [Guest Post] Five Lessons From 50+ Founders on Scaling Across Cultures 10 May 2026
- The Plaid Co-Founder Who Goes To Kinshasa To Find His Best Ideas 1 May 2026
- The Climate Safety Net Is Gone. Here's What Replaces It. 18 Apr 2026
- Never a Good Moment 10 Apr 2026
- [Guest Post] Three challenges that make or break any tech company 1 Apr 2026
- Announcing The Fluent Geo Alpha Prize 24 Mar 2026
- Reflections on considering venture as an early career job 3 Mar 2026
- Innovation in an Age of Fracture 11 Feb 2026
- Second order lessons from Brex's acquisition 2 Feb 2026
- Subject: 5 Counter-intuitive Insights from Our AGM + AI Easter-egg 26 Jan 2026
- The Future Of Venture Capital: Strategies That Win 16 Jan 2026
- Happy New Year + Six Contrarian Predictions for 2026 2 Jan 2026
- The Venture Case for (*some*) AI-Powered Roll-Ups & Why We Invested in Jutro 17 Dec 2025
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