Trending Articles

TRENDING: How ‘The New York Times’ Built A Winning Subscription Formula


The subscription market has grown more competitive in recent years, with multiple players aggressively working to attract subscribers. The growing market is forcing many players to get creative to stand apart in a crowded field of subscription services.

How AI will change banking

Chris Skinner

The World Economic Forum has been conducting research over the last year around how AI (Artificial Intelligence) will change banking that was published last week. Here’s the lowdown: Artificial intelligence is fundamentally changing the physics of financial services.

Food In Flight: Delivering Mobile Orders By Drone


Food delivery is a $13 billion business in the U.S., one seeing growing interest from various players, ranging from delivery service companies like Deliveroo to ride-hailing giants like Uber.

Zuckerberg, Gates, Bezos, Ma & Co are destroying the world

Chris Skinner

I was listening to Andrew Keen, digital sceptic, giving a keynote at a conference. He was lambasting the way in which the internet had developed, and the fact that it had gifted power to a small, select few companies, who own the world.

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3 Alternative Lending Startups to Watch

Bank Innovation

Large banks, e-commerce moguls like Amazon and eBay and tech firms are likely to enter the alternative lending space, and soon, according to Eden Amirav, co-founder, and CEO of startup LendingExpress. In markets like Australia, this is already happening.

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Technology is improving the world, not destroying it

Chris Skinner

For all the negative views of technology, the positive is that it is enabling and inclusive. This is what Digital Human explores in depth. The main critique of my book is that it is too optimistic about the future of technology, and should be more balanced.

Lenmo, the Venmo for Lenders, Set to Launch for IOS

Bank Innovation

Whether it’s a consumer lender like Goldman Sachs’s Marcus or a point-of-sale lender like Affirm or even SMB lenders like BlueVine, there is a lot of perceived opportunity in the lending market. Add a P2P dimension to that, and you have Lenmo.

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Mobile increasingly important to Citi's ThankYou Rewards program

Mobile Payments Today

Mary Hines, managing director of customer engagement and innovation at Citi, gave the opening keynote in Chicago Monday at the annual CONNECT: The Mobile CX Summit and spoke about how the rising interaction between consumers and their mobile devices

Crypto Utopias: Societies on Crypto and Smart Contracts; Coinbase is developing a platform like Facebook Connect; Crypto Security: Responsibility is the price of freedom.

Daily Fintech

Thomas More’s Utopia designed in 1516. The Blockchain Bitcoin & Crypto Weekly CXO Briefing is all you need to know, each week, jargon free for CXO level business leaders and investors who will use this technology to change the world.

How Crédit Agricole Staves Off Competition From Fintechs

Bank Innovation

Bank Innovation has learned that Crédit Agricole, a €1.76 trillion ($2.01 trillion) bank headquartered in France, has achieved 70% digitization of its service offerings among its worldwide network of banks throughout Europe and North Africa.

6 tidbits from CONNECT: The Mobile CX Summit 2018

Mobile Payments Today

One of the overriding themes from this year's event held in Chicago was an emphasis on design, whether it's a mobile app, a loyalty program, or delivery options

Always Sell The Holes: The Product Strategy CPG Brands Are Missing

CB Insights

“People don’t want to buy quarter-inch drills; they want quarter-inch holes.” ” It’s one of the most famous marketing quotes of all time, but food companies have yet to take it to heart. We all know that functional foods have been trending for the past few years.

NEW REPORT: The Hidden Costs Of Corporate Employee IOUs


It’s an inconvenience many field-based employees face: being forced to dip into their own personal accounts to make company purchases for work-related projects, then enduring the hassle of filing and waiting for reimbursement.

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Do we need a blockchain?

Chris Skinner

I haven’t written about blockchain for a while. I guess it’s because I got bored of it. I’m not bored of the promise of blockchain and distributed ledger technologies. Just bored of how much hype there has been and of so many companies claiming to have the latest blockchain breakthrough.

U.K. Consumers Want Higher Transaction Cap for Contactless Payment

Bank Innovation

In the U.S., a market where checks are still a crucial form of payment and plastic cards are prevalent as ever, it is hard to imagine using contactless payments for transactions like buying groceries or train tickets.

Scan and Go: How Mobile Wallets are Transforming Retail

Mobile Payments Today

Long-term structural trends mean that retailers must address decreasing revenues and escalating costs, while evolving the in-store experience to meet the demands of the connected consumer. For this reason, transformative technologies such as mobile scan-and-go solutions are coming to the fore, with deployments across the world gaining momentum

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$1B+ Market Map: The World’s 260 Unicorn Companies In One Infographic

CB Insights

There are 260 private companies around the world valued at $1B+ as of 8/13/2018, and they are all tracked on our real-time unicorn tracker. These companies are collectively worth approximately $840B and have raised a combined total of around $201B.

Today In Data: An App For Every Need


The great mobile payment revolution is finally underway – albeit in a form that no one predicted in 2014 when the hype was really building.

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Forcing banks to tell customers their ranks

Chris Skinner

On Wednesday, the UK’s Competition and Markets Authority published the first survey of whether retail or small business customers would recommend their bank to family and friends.

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BBVA Compass App Update Allows All Customer Accounts to Be Aggregated

Bank Innovation

As head of online and mobile banking at BBVA Compass, Alex Carriles is always thinking of ways to increase customer interaction via digital channels by catering to an existing customer need, instead of creating a new one.

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Why bitcoin is surprisingly valuable and stable as a chair with only one leg

Daily Fintech

When I first dove down the bitcoin rabbit hole in 2014, the accepted view was that bitcoin was a 3-legged stool: Leg 1 = Store Of Value. Leg 2 = Currency for daily spending. Leg 3 = Payment Rail.

Foot In Mouth: 43 Quotes From Big Corporate Execs Who Laughed Off Disruption When It Hit

CB Insights

Sometimes disruption is staring you right in the face and you can’t help but look the other way. That’s doubly true when you’re the head of a legacy business desperate to stay relevant.

On Bitcoin, Altcoins, Bubbles And A (Possible) Burst


To quote the bard, in a manner of speaking: Bubble, bubble, boil … then trouble. Before the Macbeth purists rankle, we’re talking about cryptocurrencies — where drama is underway, so a bit of poetic license is alright.

The Finanser’s Week: 13th August 2018 – 19th August 2018

Chris Skinner

The main blog headlines this week are … Do we need a blockchain? I haven’t written about blockchain for a while. I guess it’s because I got bored of it. I’m not bored of the promise of blockchain and distributed ledger technologies.

Realtime Payments Tops Wish List of Banking Innovators

Bank Innovation

Realtime payments are at the top of the innovation wish list for most banking professionals. According to a survey from TD Bank, released today, 42% of payment professionals cited integration of realtime payments system as the number one factor that could have the greatest impact on the industry.

Data Sharing and Standardization Technology Provider Validis Strengthens Public Relations Efforts by Partnering with William Mills Agency

William Mills

AUSTIN and ATLANTA, August 15, 2018 – Validis , a pioneer of data sharing and standardization technology used by three of the big four accounting firms and 80 percent of the Tier 1 banks in the U.K.,

No One Is Making More Money In Tech IPOs Than Tencent

CB Insights

As billions of dollars continue to flood into private tech companies, one investor is gaining billions of dollars in tech IPO exits — Tencent.

Why Cash Was King For The Queen Of Soul


“Oooh, your kisses, sweeter than honey/ But guess what? So’s my money.”. Writing about Aretha in a 2016 profile for The New Yorker , writer David Remnick noted that as she sat readying herself for a performance, she was surrounded by small stacks of hundred-dollar bills. The money, he explained, was her fee for singing that night in Ontario, because Aretha only sang once she had been paid upfront.

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Things worth reading: 20th August 2018

Chris Skinner

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As P2P Payments Increase, So Must Fraud Controls

Bank Innovation

The demand for P2P payments does not seem to be slowing anytime soon. A study released today by research firm Aite and Early Warning, owner of the bank-based P2P firm Zelle, found that P2P payments will triple by 2020. In the U.S. alone, Aite projects “over 300% growth from 2015 to 2020—from $100.3

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Public Private Partnerships in India lead to a ‘Blockchain District’

Daily Fintech

At the moment, its an MoU between perhaps the most forward thinking State in India and the 5th largest Indian Technology firm (Tech Mahindra). And many would argue that MoUs don’t mean much, but activity within the Indian state in this space makes me feel hopeful. Image Source.

60+ Startups Disrupting IKEA In One Market Map

CB Insights

Competition is heating up in the furniture space, and retailers are already feeling the pressure. Furniture retailer Heritage Home filed for bankruptcy last month, while Mattress Firm — the largest US mattress retailer — could be considering a similar path, according to recent reports.

Barclays Backs Crowdz B2B Procurement Platform With Payments Tech


Barclaycard has partnered with Silicon Valley startup Crowdz to make the process of selling and finding business services easier. While consumer payments have been revolutionized through mobile technology, Barclays points out that things have been slower in the business-to-business (B2B) space. In fact, only one in four transactions in the supply chain are digitized.

Things worth reading: 21st August 2018

Chris Skinner

Things we’re reading today include … The end of signing on the dotted line? E-signatures are as valid as paper ones, Law Commission says High street banks could go way of department stores, says hedge fund tycoon Crispin Odey FINRA fines Interactive Brokers $5.5