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The 2015 Fintech Finance 35: Meyer (Micky) Malka, Ribbit Capital

The life of a serial entrepreneur, creating one technology company at a time, became too slow-paced for Meyer (Micky) Malka’s taste.

Meyer (Micky) Malka
General Partner
Ribbit Capital

The life of a serial entrepreneur, creating one technology company at a time, became too slow-paced for Meyer (Micky) Malka’s taste. He revved up by forming and selling two start-ups in his native Venezuela, then co-founding Bling Nation, a Silicon Valley mobile payments company that was renamed Lemon in 2011 and sold to LifeLock for $50 million in 2013. By then Malka had “decided it was the right time to become a premier investor in financial services.” As banks were dealing with the after-effects of the 2008 crisis, new distribution technologies, notably smartphones, and consumers’ willingness to try new things were fueling “a perfect storm to allow new financial brands,” says Malka, 41. He launched Ribbit Capital in 2012 to build an investment portfolio around that trend. Palo Alto, California–based Ribbit — named for the sound a frog makes, to connote leapfrogging — has made more than two dozen investments. They include Bitcoin-related companies BTCjam, Coinbase and Xapo, which is only fitting because Malka is a director of the cryptocurrency-promoting Bitcoin Foundation. But the portfolio also includes credit-score monitor Credit Karma, U.K.-U.S. lending platform Funding Circle, low-cost brokerage Robinhood, robo-adviser Wealthfront and others as far afield as Australia (small-business app Invoice2go) and Brazil (accounting software provider ContaAzul). Says Malka, “We try to find companies around the world that will become the next Charles Schwab or GEICO.” Ribbit Capital has a website ( displaying its “mantra,” team biographies and portfolio bets, but it provides no e-mail or phone contact. Malka says he wants to hear only from people willing to take the trouble to find him.

The 2015 Fintech Finance 35

1. James Robinson III
& James Robinson IV
RRE Ventures
2. Jane Gladstone
Evercore Partners
3. Matthew Harris
Bain Capital Ventures
4. Steven McLaughlin
Financial Technology Partners
5. Jonathan Korngold
General Atlantic
6. Richard Garman &
Brad Bernstein
FTV Capital
7. Amy Nauiokas & Sean Park
Anthemis Group
8. Thomas Jessop
Goldman Sachs Group
9. Meyer (Micky) Malka
Ribbit Capital
10. Hans Morris
Nyca Partners
11. Maria Gotsch
Partnership Fund for New York City
12. Marc Andreessen
Andreessen Horowitz
13. Barry Silbert
Digital Currency Group
14. Jay Reinemann
Banco Bilbao Vizcaya Argentaria
15. Mariano Belinky
Santander InnoVentures
16. François Robinet
AXA Strategic Ventures
17. Vanessa Colella
Citi Ventures
18. Alan Freudenstein & Gregory Grimaldi
Credit Suisse
19. Justin Brownhill & Neil DeSena
SenaHill Partners
20. Rodger Voorhies
Bill & Melinda Gates Foundation
21. Michael Schlein
Accion International
22. Kenneth Marlin
Marlin & Associates
23. Rumi Morales
CME Ventures
24. Mark Beeston
Illuminate Financial Management
25. Vladislav Solodkiy
26. Fabian Vandenreydt
Innotribe SWIFT
27. Derek White
28. Alex Batlin
29. Jeffrey Greenberg
& Vincenzo
La Ruffa
Aquiline Capital Partners
30. P. Howard Edelstein
REDI Holdings
31. Nektarios Liolios
Startupbootcamp FinTech
32. Roy Bahat
Bloomberg Beta
33. Andrew McCormack
Valar Ventures
34. Lawrence Wintermeyer
Innovate Finance
35. Janos Barberis
FinTech Hong Kong

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