Greg Isenberg

CEO of Late Checkout, a holding company for community-based businesses

I'm the CEO/Co-Founder of Late Checkout, a holding company with a portfolio of internet businesses. 

Previously, I was the Head of Product Strategy at WeWork, an Advisor at TikTok and an Advisor at Reddit. I was the Founder/CEO of Islands, a messaging/community app that was acquired by WeWork.  I was the Founder/CEO of 5by, a leading video discovery app which got acquired by StumbleUpon.  I helped build one of the internet's most popular financial education communities Wall Street Survivor (acquired). 

I've helped build communities and technology products for brands like Microsoft, FedEX, NASCAR, TechCrunch and Wordpress. 

I've been featured on places like Vanity Fair, Forbes, Mashable, Fortune Magazine, L.A Times and have won Webby Awards.

I share my thoughts on Twitter @gregisenberg (say hello).

LINKS to some of my companies in my holdco🔗

gregisenberg.com (my guides, podcast, sign up to my weekly newsletter for updates)
latecheckout.agency (product design agency that works with executives from Dropbox to Nike to Shopify)
boringmarketing.com (agency to get you ranked on google)
boringads.com (agency that creates profitable ad campaigns)

CEO & Co-Founder 

Late Checkout is a holding company that builds, acquires and incubates cash-flowing businesses that are powered by internet audiences and communities.

Learn more about our businesses at https://latecheckout.studio and work with us.

Apple JUST quietly announced something that’s a lot BIGGER than it looks: "the Mini Apps Partner Program"

Apple is admitting that the future of software is embedded, lightweight, vertical mini-apps distributed inside bigger app

For founders who want to make $$ building apps:

1. Apple just legitimized the “superapp” model for the West.

China has WeChat mini-programs. India has PhonePe Switch. The West has… nothing. Apple just opened the door. You can now run HTML/JS mini-apps inside a native host and earn 85% on qualifying purchases. That’s Apple-sanctioned platform piggybacking.

2. Distribution arbitrage becomes real again.

You don’t need to convince users to download your app. Just partner with a host app and drop in a mini-app. This is a cheat code for early traction. Think: travel apps hosting niche tools, fitness apps hosting mini workouts, marketplaces hosting micro-utilities.

3. Apple is creating a new economy layer: “embedded SaaS.”

Imagine: CRM mini-apps inside vertical tools. Math solver mini-apps inside education apps. Calendar mini-apps inside productivity apps. The TAM for tools that don’t need standalone installs just went vertical.

4. Developers get an 85% revenue share.

This is Apple basically saying: “We want this ecosystem to grow, and we’re willing to cut our take rate.” When Apple lowers its cut, I pay attention because they see a platform shift coming.

5. AI makes this 10× more important.

LLM-powered micro-apps (calculators, planners, agents, coaches, niche utilities) are tiny by design. They’re perfect mini-apps. Apple just created infrastructure for AI-native micro utilities to live inside bigger apps with built-in commerce.

6. Host apps become new “distribution landlords.”

If you own an app with traffic, you become a platform. You can host mini-apps, take a cut, and build a developer ecosystem around you.

 It’s a new monetization model for existing apps with audiences.

7. This unlocks a wave of second-order opportunities.

- Agencies helping apps become mini-app hosts
- Mini-app dev shops
- “Shopify for mini-apps” toolkits
- Mini-app marketplaces
- Analytics for mini-app performance
- Discovery engines for mini-apps
- For more startup ideas/trends... sign up to https://ideabrowser.com 

TLDR;

Apple just turned every high-traffic app into a potential superapp and every indie developer into a potential platform partner.

The App Store is becoming modular, composable, and layered. The next decade of consumer apps will look less like standalone products and more like ecosystems stitched together with mini-apps.

This is quietly one of the biggest distribution unlocks in years.

CEO of Late Checkout, a portfolio of internet companies

2026 AI predictions

1. SaaS and agents merge completely in 2026. Every SaaS product becomes an agent platform, and every agent platform builds SaaS features. The ones that don't adapt die or get bought for pennies. 

2.  Google continues to crush in 2026. OpenAI feels the heat. Doubles down into becoming a social company, lots of features that you'd think a Meta would create

3. Infinite-context entertainment kills pilot season. Netflix lets you continue cancelled shows just for yourself. AI generates new episodes of The Office or Friends dynamically based on your mood.

4. Micro-companies explode in volume and weirdness. Tiny AI-augmented businesses serving tiny online tribes become a real career path.

5. Personalized nutrient cocktails created by generative AI replace traditional OTC wellness. 

6. AI agents get their own wallets. Agents transact with each other using crypto for data, API calls, and compute. T

7. The return of the invite-only web. To escape the bot-flooded “dead internet,” the best platforms become gated and reputation-scored. T

8. Search is replaced by answer synthesis. Browsers read 50 sources and give you the conclusion. 

9. Hardware returns with a vengeance. Browser-based AI feels limiting, so AI pins, earbuds, and ambient devices take off. The smartphone’s decline becomes visible.

10. Google, Apple, and OpenAI accidentally build the new internet. Instead of browsing websites, people live inside model environments.

11. Personalized education unbundles the university. 

12. The first agent-driven media companies appear. Daily shows, newsletters, and entire channels run autonomously, with one human editor.

13. Local LLMs become the new privacy shield. A major hack scares the world and everyone shifts to on-device models that never touch the cloud.

14. The rise of analog status. “Analog” becomes the ultimate flex. Film cameras, handwritten notes, and acoustic instruments explode in value

15. Prediction markets replace user research. Companies test product ideas on 10,000 AI personas/know the outcome before writing code.

16. Software becomes disposable. Apps are generated, used for 72 hours, and deleted. 

17. A major university drops its computer science degree. It’s replaced by “agent systems,” “model psychology,” and “human interface architecture.”

18. Infinite apps replace the App Store. Micro-apps are generated inside ChatGPT or Gemini and traditional downloads collapse.

19. The first sovereign AI trade war begins. Nations ban the export of foundation models and treat foreign AI use as espionage.

20. Blue-collar trades become safe havens. Electricians, plumbers, and HVAC techs see wages skyrocket as white-collar automation accelerates.

21. The fastest wealth creation path in 2026 is spotting assets mispriced because people underestimate AI’s speed. 

22. 2026 should be an interesting year for AI. What do you think?

Note: grab a startup idea, a trend, and some prompts from ideabrowser.com and happy building.

dear founders,

build like the clock’s running out. the window is open but it won’t stay. for the first time in history, you have free distribution from social platforms and infinite leverage from AI tools. you can reach millions without permission.

the internet is handing out unfair advantages to anyone bold enough to use them so...

ship before you understand it. launch "ugly". talk to users every day. build what you wish existed. best ideas are the most obvious painful. go niche. no, go superniche. vertical is your moat.

clarity comes from commits. half your roadmap might be ego, delete it. make ugly things until they work. share prototypes that break.

kill what doesn’t grow. use AI as leverage, not decoration. test ten things before breakfast. delete your roadmap. double down on what works. design for clarity, not cleverness. brand before code. write daily. post your lessons.

find your first hundred users manually. distribution is the new product. attention is the new funding. taste is the new code. build small cults. scale later. automate boring things. keep the human parts human. study why things spread. study why things die. 

pricing is positioning. aesthetics are trust. make people feel something. ignore haters. build in weird corners of the internet. break things publicly. pivot loudly. consistency compounds. only raise VC if you dream of going IPO one day. otherwise, cash-flow is your BFF.

your network is distribution. your story is marketing. your design is psychology. ship like it’s day one. iterate like you’re behind. stay obsessed. learn faster. think longer. risk embarrassment. make noise. build the thing that keeps you up at night. money follows obsession. stay in motion. stay loud. stay building. distribution is an art form now.
 
AI makes it easy to make things; the hard part is making things that matter. build like the world’s ending in a year but your idea has to outlive it 

we’re living in a window of maximum leverage and minimum permission

im rooting for you.

best,

greg isenberg

just another founder rooting for you

note: find startup ideas at ideabrowser.com to get your creative juices flowing

We’re about to see the largest boom in micro-companies in history. 

1 person to 10-people businesses that generate real cash, serve tiny but passionate communities, and operate with leverage (organic social, AI etc) that used to require mega teams

Once people realize they can earn a meaningful living by building something tiny and strange that fits a community they actually understand, everything shifts like ambition, lifestyle, career arcs, even how people think about “success.”

Some people will build two or three of these.
Some will build twenty.
Some will build one that accidentally becomes big.

You can literally feel the shift happening.

Just an increasing number of people quietly opting out of the traditional paths and choosing to build a life around small companies that actually work.

There’s a whole new generation of founders who are going to buy businesses and turn them into holding companies with software and AI: 

how they’ll do it:

step 1: acquire niche business at an attractive price
step 2: create internet distribution to scale customer base
step 3: build AI-assisted software to increase margins/make product more attractive 
step 4: recycle cash-flow to buy more businesses

These 15 techniques pretty much 10x the quality/output of ANYTHING you vibe code with Gemini 3 etc

Zebra Technologies

- Covering almost whole P2P process for Temptime (processing, resolution, PO receipt creation), including support on integration to ERP system. 

- Providing support for Zebra HelpDesk team as needed. 

- Plenty of time for projects - HD Invoice Rejection process optimized via PowerAutomate

Accounts Payable Specialist, Lead

- Member of the Helpdesk Team

- Point of contact for all EMEA suppliers' invoice queries

- Working both internally (buyers and requestors) and externally (with suppliers) on resolution of invoices with issues

- Reconciling suppliers' statements of account

- Contacting suppliers about invoices processed with wrong tax details (Project utilizing Power Automate - over time, working on automation of this process)

- Tracking Direct Debit transactions posted by GL team and matching deducted transactions to correct AP invoices (I worked on PowerBI tracker of DD process for both paired and unpaired transactions)

- Month End Closing activities 

- Daily usage of: Excel, Oracle ERP, Oracle Analytics

Accounts Payable Specialist II

My day-to-day tasks are verifying, classifying, and recording accounts payable data, as well as providing feedback to vendor's statements of account. I am making sure that all invoices from the EMEA region are in compliance with financial policies and procedures.

Most of these processes are done within the frameework of Oracle ERP and I am constantly working on improving my skills with this software application.

I am also responsible for tracking direct debit transactions and contacting vendors if necessary. To improve the DD process, I have been working on a Power BI project with my coworkers.

Accounts Payable Specialist

Sofaland s.r.o.

After working at Sofaland for almost two years I became Manager of Sales. I always tried to connect clients' ideas with products of the highest quality. My other responsibilities were to communicate with our business partners in Slovakia and logistics.

Manager of Sales

Furniture Salesperson

The Honorary Consulate General of the Philippines

My primary responsibility was to find economic opportunities for Czech hydrological companies in the Philippines (economic diplomacy). I also monitored the progression of development aid and helped few Czech companies to submit applications for one of the EU Gateway Missions in Singapore and the Philippines.

Intern

Le Bon Caffé

Barista

Istima a.s.

Call Center Agent

I am a seasoned AP Specialist with a keen eye for finance and a passion for staying at the forefront of technological advancements. Leveraging a proven track record of success in the finance domain, I offer expertise in Excel, Power BI, and Power Platform. I enjoy optimizing financial processes with cutting-edge solutions and insights, ensuring efficiency and accuracy every step of the way.

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Greg Isenberg

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