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Dark Software
How the SaaS and fintech models are breaking down, why food delivery and dark kitchens provide an alternative model, and what the future of software may look like as a result
The dark software model is to offload entire, complex, and even user-facing features to third party, headless, and/or infrastructure providers and build much less de novo product in house. Today vertical SaaS and even fintech companies will outsource financial products with regulatory or legal overhead, like payments to Stripe or lending to Oatfi or banking to Unit. The dark software model on the far right is one that continues to own and specialize in the brand and ICP focus and GTM function, but offers many more products from third parties that the company synthesizes into a cohesive whole.
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