During the ZIRP period, banks had to find places to invest their money, leading to a surge in venture capital investments as they sought higher yields.

The influx of capital during ZIRP caused many venture capital funds and family offices to dramatically increase their investment rates, as they had more money to manage and distribute.

When startups received large amounts of funding during ZIRP, it often led to a lack of innovation, as companies began to rely on spending more money rather than improving their products or services.

The ZIRP environment created a false sense of security for many founders, who believed that simply having access to capital would ensure their success, ignoring the need for sustainable business models.

The ZIRP era saw an explosion of unicorns, with companies achieving billion-dollar valuations at an unprecedented rate, which diluted the rarity of such valuations.

During the zero interest rate period, many founders believed the favorable conditions would last indefinitely, despite warnings that the market would eventually correct itself.

There were three types of venture capitalists during the zero interest rate period: those who believed there was no problem, those who knew it was problematic but participated anyway, and a small group that chose to hold onto their capital.

During the pandemic, trends that previously fueled business growth suddenly reversed, leading to a dilemma about how to engage potential investors.

The fintech boom was characterized by rapid growth and innovation, but as interest rates rose in 2022, we faced challenges as investment and lending markets froze, impacting our business.