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Linda Xu

Co-Founder at Cart.com, advisor, angel investor & inclusive leader

Linda Xu, a Wharton MBA and UC Berkeley alum, is a co-founder of Cart.com, a leading end-to-end ecommerce tech & services platform founded in 2020. Cart.com, a Series B1 company backed by Oak HCFT and PayPal Ventures, has raised over $380M to date and serves thousands of brands.

Prior to Cart.com, Linda's diverse professional background includes roles as a consumer & technology PEVC investor, a GTM / Ops leader at Uber, and an angel investor actively mentoring women entrepreneurs. She is dedicated to diversity and inclusion, advocating for start-ups and inclusive leadership.

With a strong educational foundation and extensive experience in business administration, Linda Xu possesses a unique blend of skills that have propelled her into successful roles within the ecommerce and technology sectors.

Highlights

Mar 7 · linkedin

I've had 60+ conversations with retailers and partners over the last 2 weeks talking about fintech + ecommerce. Taking a moment to reflect on #trends I'm seeing.

Here's the Fintech/Payments trends I'm seeing for 2024:

#1. Consumers expectations for digital payments are changing. They expect payment "experiences" to be easy, secure, and increasingly, personalized. #2. Real time payments RTP (and cross-border payments) is top of mind - how can we make payments faster, with more visibility? #3. B2B payments is still underserved and opportunities exist. #4. AI AI AI. It's coming and it's already here. How can we use AI to power our products and also to reduce operating costs. #5. Fraud is top of mind for retailers. Friendly fraud accelerated last few years; need solutions to come from many angles. #6. Tokenization of payment credentials (the most secure way to store card data and personal information) remains an important topic.
#7. The CFO-stack is still trending, with eyes on sustainable biz models and spending. #8. Incumbents ramping up partnerships with fast-moving fintechs (do more with less; seek innovation through start-ups while leveraging their own resources and brand recognition). #9. The fintech landscape is optimistic! It's been an up and down few years, but now capital is starting to pick up again with close eyes of IPOs (Checkout.com, Chime, Stripe..?).

Are you seeing these? What did I miss?

#fintech #trends #ecommerce #payments #conference #techtrends #innovation

Linda Xu
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Location

San Francisco, California, United States