Spring is the season for cleaning out the old and ushering in the new. And sometimes a new groove is just what a firm needs. Goldman Sachs and its explosion of loans through its Marcus platform is a case in point, as is the explosion...
The customer has spoken. These days it isn’t so much about giving them what they want, so much as it is about giving customers all the things they want — preferably yesterday. So, how to deliver when the demand has gotten so big?
The era of expanding access through the magic of digital connection has made things that were previously unimaginable almost commonplace today. It’s why half of Jamaican adults can log on to the internet and why banks are investing heavily in the next generation of artificial...
Appearances can be deceiving, which is why avoiding assumptions is often the better part of valor. One might assume major banks are out of subprime home and auto lending, but they’ve mostly just shifted to interacting with the segment remotely. One might think all smart payment...
All tech platforms are the same. Banks aren’t serious enough about digital. Tokens are a new idea. There are lots of commonly held assumptions in payments and commerce, but do they stand up to the data on hand?
A good day is often a matter of perspective: One firm’s day of triumph is another’s day that will live in infamy. The dividing line is often the data — calculating who’s up (JPMC), who’s down (Wells Fargo) and where the difference is split somewhere...
The only constant in the world is change: whether it’s the changing shape of the EU, the resetting of rules on how to pay or the great reshuffling of consumer preferences. The question isn’t will the world change; it’s how will the winners adapt?
What’s next? It’s the question everyone wants to know the answer to, because almost no one does. By the numbers, you can get a pretty good idea of where to at least look — in the U.S., around the world and all the data points...
Nothing attracts a crowd like a crowd, and nothing sparks ignition faster than the fact that something is already popular. Digital payments and prowess, by the numbers, are officially blowing up because they’re blowing up. So, what does that mean for the world?
