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Tokenization

"Uberization" means much more when you've actually gone through the experience of using one.

The Uberization of … me

Have you ever, actually, taken an Uber? Now I have
Among the trends detected by TransUnion’s latest credit research are significant changes in mortgage credit.

Access to consumer credit grows amid concerns

Originations and balances are up—but so are delinquencies in certain segments.
Netflix, now a worldwide, public company devoted to entertainment, began with an envelope and a second-hand DVD. But things really engaged when Blockbuster laughed.

How Netflix nearly died … and came streaming back

Classic disruptor learned key lessons—and art of self-disruption—on way to mega success
Would Brett King, fintech author and founder of Moven, have opted for a fintech charter if one had existed when the company started?

Fintech pioneer Brett King looks at regulated life

Moven founder considers both sides of regulation, charters, and capital
Second of a series: Crowe Horwath LLP consultants discuss survey findings dealing with turnover issues. Then they explore potential solutions banks can try.

Employee turnover: Dealing with costs seen and hidden

Major turnover hits both officer and nonofficer ranks
Alternative data—nontraditonal measures of creditworthiness—could help "credit invisible" people, but some see dangers in adoption of new measures.

Bureau turns up debate on “alternative data”

CFPB holds hearings, seeks comments on benefits, risks
Bank tech trends can make your head spin. So regularly longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

Customers buy experiences now, not products and services

Digitize offerings in order to change “one-to-many” to “one-to-one”
Banks spend a great deal to bring customers to the point of onboarding. Abandonment due to factors such as a poor digital application wastes precious resources.

Stop trashing marketing bucks

Without insight into digital sales, your marketing budget is going to waste
Robo-services may be a heckuva a lot more appealing to your customers than you'd like to think. And a "Bank of Amazon" might just be prime, for them.

Robos, “Bank of GAFA,” and remaking your bank

Consumer comfort with non-human entities suggests more evolution in retail approach
Understanding a consumer's relationship to their credit can be better with trended data, a "movie" instead of a "snapshot." But there's more to it than just gathering more data points.

Getting the point(s) of trended data

Predictive analysis brings understanding plot of credit “movie” over the snapshot
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