In this issue:

• SVB: Bank of Convexity

• Apple M&A

• Countering Patent Trolls

• Payments and Network Effects

• Fraud Ingredients

• RIP 30%?

SVB: Bank of Convexity

I've commented before that financial institutions usually don't have great net promoter scores, and that the way lenders get better scores is to offer people money when they don't expect to get it. There are, ge…