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Valuation</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2020/06/4.-shopify.png</image:loc><image:title>4. Shopify</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2020/06/3.-wday-and-veev.png</image:loc><image:title>3. WDAY and VEEV</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2020/06/2.-gross-margin.png</image:loc><image:title>2. Gross Margin</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2020/06/1.-growth-rate.png</image:loc><image:title>1. Growth Rate</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2020/06/0.-josh-kopelman.png</image:loc><image:title>0. Josh Kopelman</image:title></image:image><lastmod>2020-06-17T04:11:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2020/03/18/navigating-the-tough-times-ahead/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2020/06/opentable.png</image:loc><image:title>OpenTable</image:title></image:image><lastmod>2020-06-17T03:45:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2019/07/24/anchoring-oaks-efforts-out-west/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2019/07/fintech_cbinsights.png</image:loc><image:title>FinTech_CBInsights</image:title></image:image><lastmod>2019-07-24T17:48:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2017/12/30/the-rise-of-fintech-introducing-the-matrix-fintech-index/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/12/c3deb-1czu4cmswwwkivsbenxj5qw.jpeg</image:loc><image:title>c3deb-1czu4cmswwwkivsbenxj5qw</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/12/de59a-1sulfuwgljuwwjev2rkoouw.jpeg</image:loc><image:title>de59a-1sulfuwgljuwwjev2rkoouw</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/12/5996c-14orulojz2gajmx9elipq3w.jpeg</image:loc><image:title>5996c-14orulojz2gajmx9elipq3w</image:title></image:image><lastmod>2019-05-14T19:44:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2018/12/30/matrix-fintech-index-2018-edition/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2019/05/figure-2-1.jpeg</image:loc><image:title>Figure 2</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2019/05/figure-1.jpg</image:loc><image:title>Figure 1</image:title></image:image><lastmod>2019-05-14T19:43:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2018/08/17/enterprise-payments-the-next-frontier-for-payments-innovation/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2019/05/figure-2.jpeg</image:loc><image:title>Figure 2</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2019/05/figure-1.jpeg</image:loc><image:title>Figure 1</image:title></image:image><lastmod>2019-05-14T19:36:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2018/04/23/fintech-were-just-getting-started/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2018/04/figure-3.jpg</image:loc><image:title>Figure 3</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2018/04/figure-2.jpg</image:loc><image:title>Figure 2</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2018/04/figure-1.jpg</image:loc><image:title>Figure 1</image:title></image:image><lastmod>2018-04-23T19:18:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2018/02/19/revolutionizing-wealth-management-with-jon-stein-founder-ceo-of-betterment/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2018/02/f8c18-1bgzb3bzuowysyxr3lmgdpa.png</image:loc><image:title>f8c18-1bgzb3bzuowysyxr3lmgdpa</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2018/02/cfd90-14ea9lpuupgjn2qpkeabpmg.png</image:loc><image:title>cfd90-14ea9lpuupgjn2qpkeabpmg</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2018/02/e073e-1brlnw_y_8gs-0sg4pexyfq.jpeg</image:loc><image:title>e073e-1brlnw_y_8gs-0sg4pexyfq</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2018/02/headshot.jpg</image:loc><image:title>Headshot</image:title></image:image><lastmod>2018-02-19T16:41:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2018/01/25/bringing-financial-services-to-emerging-markets-with-shivani-siroya-the-founder-and-ceo-of-tala/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2018/01/388dd-1xumapdjfbyb05cpv_csi_a.jpeg</image:loc><image:title>388dd-1xumapdjfbyb05cpv_csi_a</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2018/01/figure-2.jpg</image:loc><image:title>Figure 2</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2018/01/figure-1.jpg</image:loc><image:title>Figure 1</image:title></image:image><lastmod>2018-01-25T04:01:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2017/12/18/both-sides-of-the-table-with-ashley-johnson-the-cfo-coo-of-wealthfront-episode-2/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/12/wealthfront-aum.jpg</image:loc><image:title>Wealthfront AUM</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/12/ashley-f-johnson-cfo-coo-wealthfront.jpg</image:loc><image:title>Ashley F Johnson CFO COO Wealthfront</image:title></image:image><lastmod>2017-12-18T19:39:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2017/12/05/announcing-our-new-podcast-series-focus-on-the-founder-with-our-first-guest-ryan-williams-of-cadre/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/12/capture.jpg</image:loc><image:title>Capture</image:title></image:image><lastmod>2017-12-18T19:32:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2017/10/25/money-2020-12-lessons-from-this-years-conference/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/10/capture-2.jpg</image:loc><image:title>Capture 2</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/10/capture.jpg</image:loc><image:title>Capture</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/10/low-trust.jpg</image:loc><image:title>low trust</image:title></image:image><lastmod>2017-12-07T18:11:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2017/10/02/california-im-coming-home/</loc><lastmod>2017-10-02T17:51:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2017/08/05/cyber-security-a-renewed-sense-of-urgency-for-enterprises/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/08/capture.jpg</image:loc><image:title>Capture</image:title></image:image><lastmod>2017-08-05T23:11:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2017/01/16/metrics-that-matter-in-saas/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/01/capture.jpg</image:loc><image:title>capture</image:title></image:image><lastmod>2017-01-16T17:31:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2016/12/31/core-emerging-platforms-as-we-move-into-2017/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2017/01/tech-platforms.jpg</image:loc><image:title>tech-platforms</image:title></image:image><lastmod>2017-01-01T02:33:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2016/10/28/the-importance-of-customer-success/</loc><lastmod>2016-10-28T03:13:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2016/08/16/reassessing-account-coverage-models-in-b2b-sales/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2016/08/long-tail.jpg</image:loc><image:title>Long Tail</image:title></image:image><lastmod>2016-08-16T18:10:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2016/05/11/grow-fast-or-die-slow-why-unicorns-are-staying-private/</loc><lastmod>2016-05-11T22:38:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2015/11/18/bookings-vs-revenue-in-early-growth-stage-saas-companies/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2015/12/untitled.png</image:loc><image:title>Untitled</image:title></image:image><lastmod>2015-12-29T04:18:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2015/12/29/revisiting-edtech-opportunities-for-2016-and-beyond/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2015/12/untitled1.png</image:loc><image:title>Untitled</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2015/12/exits-1438648868.jpg</image:loc><image:title>exits-1438648868</image:title></image:image><lastmod>2015-12-29T04:15:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2015/08/13/venture-debt-an-alternative-form-of-financing/</loc><lastmod>2015-12-14T01:59:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2015/07/29/updated-resource-section/</loc><lastmod>2015-07-29T18:47:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2015/04/02/p2p-lending-the-early-regulatory-environment-todays-emerging-landscape/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2015/04/cl.png</image:loc><image:title>cl</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2015/04/ca.png</image:loc><image:title>ca</image:title></image:image><lastmod>2015-05-29T16:11:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2015/05/19/thank-you/</loc><lastmod>2015-05-19T00:40:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2015/05/06/airbnb-and-the-problem-with-later-stage-investing-in-todays-environment/</loc><lastmod>2015-05-06T14:34:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2015/04/11/travel-transportation-ecosystem/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2015/04/travel-transportation-ecosystem.png</image:loc><image:title>Travel &amp; Transportation Ecosystem</image:title></image:image><lastmod>2015-04-11T15:56:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2015/02/09/cap-table-modeling-understanding-the-mechanics-of-equity-vs-convertible-debt/</loc><lastmod>2015-02-09T18:53:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2015/01/26/the-age-of-the-unicorn-traits-of-todays-unicorns-their-marriage-to-the-ipo-market/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2015/01/unicorn-location.png</image:loc><image:title>unicorn location</image:title></image:image><lastmod>2015-01-26T00:03:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2014/08/20/increasing-conversion-along-the-mcommerce-customer-journey/</loc><lastmod>2014-08-20T21:36:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2014/05/28/ma-activity-of-major-tech-companies/</loc><lastmod>2014-05-28T21:35:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2014/04/26/google-glass-investment-thesis/</loc><lastmod>2014-05-28T21:35:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2013/09/23/carecloud-a-good-investment/</loc><lastmod>2013-09-23T01:03:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2013/07/29/market-sizing-how-big-is-online-video-advertising/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2013/07/picture-1.png</image:loc><image:title>Picture 1</image:title></image:image><lastmod>2013-07-29T16:04:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2013/06/21/google-glass/</loc><lastmod>2013-06-21T20:33:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2010/12/12/startup-idea-the-computer-as-health-fitness-monitor/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2012/07/picture-11.png</image:loc><image:title>Picture 1</image:title></image:image><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2012/07/picture-2.png</image:loc><image:title>Picture 2</image:title></image:image><lastmod>2013-05-28T19:29:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2011/06/09/from-ithaca-to-qatar-mix-mode-relationships/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2012/07/picture-3.png</image:loc><image:title>Picture 3</image:title></image:image><lastmod>2013-05-28T19:28:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://allenkmiller.com/2012/03/29/edtech-corner-nilsby/</loc><image:image><image:loc>https://allenkmiller.com/wp-content/uploads/2012/07/picture-16.png</image:loc><image:title>Picture 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