PYMNTS

FEBRUARY 20, 2018

Revolving outstanding credit, made up primarily of credit cards, increased at a 13.3 Credit Card Troubles. The overall picture for credit card debt going into 2018 reflects a consumer in stress — a rising number of late payments and defaults than in year’s past and over a far greater diversity of lenders. percent annually.

Lending 105

Lending Cards America New York 105

PYMNTS

MAY 14, 2018

Prepaid cards enable customers to access physical fiat via ATMs, but they only work with an eWallet or some store of value to back them up, and there can be fees associated with their use. There will also be tax liability and compliance challenges around the base currency where funds are being held. Geographical Reach.

ATM 101

ATM Compliance Regulation Cards 101

PYMNTS

AUGUST 22, 2016

And he wrote a brilliant book a few years ago on the history of financial crises – “ This Time Is Different.” It’s hard to find POS terminals that will take a government-subsidized debit card in local villages in India, where more than 60 percent of the country’s citizens live. He’s a pretty smart guy.

Payments 100

Payments Bitcoin Cards Taxes 100

PYMNTS

APRIL 30, 2018

In this world, the only things certain are death and taxes. LendingClub makes unsecured personal loans to consumers, mostly to consolidate and pay off credit card debt and more recently to refinance auto loans. They have a big incentive on their books to make sure that happens. A penny saved is a penny earned. Benjamin Franklin.

Fintech 183

Fintech blockchain Lending Digital Banking 183

PYMNTS

APRIL 16, 2018

On those content-filled pages were advertisements hoping to catch the consumer’s eye, build a brand and influence a purchase. About every seven or so minutes, there was a commercial break in which ads were inserted with the same ambition — build a brand and drive a buy. And not, it seems, to enable commerce. trillion searches a year.

Google 121

Google Data social media Branding 121

PYMNTS

APRIL 11, 2016

It’s not as if a person making the request for a tissue, pain reliever or bandage was specifically asking for a Kleenex, Bayer Aspirin or Band-Aid brand item. But, over many decades, these three brand names achieved such dominance in their categories that they became the most natural way for people to refer to all products in that category.

San Francisco 100

San Francisco Operations Examples Branding 100

Tech and Finance

JUNE 5, 2017

Attribute it to Swedish mistrust of credit cards and internet commerce, combined with the Nordics’ rapid adoption of mobile whose small screens do not make entering credit card details easy. The buyer can decide to pay with a credit card, direct bank transfer or use credit from Klarna. which lets buyers pay over 6 to 12 months.

Online 28

Online Data Cards Marketing 28

Jeff For Banks

AUGUST 22, 2014

The most profitable program that we measure, on a pre-tax profit as percent of revenue basis, is one that is totally outsourced. So often we associate success with this LOB by plucking a higher producing rep from a brokerage firm because we want his/her book and to get profitable quickly. So grow your own reps.

Retail 86

Retail Tools Management Taxes 86

FICO

JUNE 16, 2022

Brand reputations were damaged. Collections books for many lenders reduced. Increasing inflation, interest rates and income tax are also at 40-year highs. Unfortunately, far too many creditors didn’t. As a result: Creditors lost good future customers at scale. Balance sheet credit losses were far higher than necessary.

Meeting 52

Meeting Analytics Strategy Data 52

PYMNTS

NOVEMBER 5, 2018

That means Apple won’t tell the world how many — or how few — iPhones were sold over the all-important holiday season, and in the all-important months following the release of three brand-new iPhone models. It did so because apps like Netflix were avoiding signing up subscribers through the App Store to evade the Apple tax.

Apple 174

Apple Taxes Mobile Google 174

Gonzobanker

JUNE 16, 2022

It’s hard to pin down exactly when the term “personalization” entered the business lexicon, but the 1993 book, The One to One Future: Building Relationships One Customer at a Time , by Don Peppers and Martha Rogers, certainly helped launch the term’s popularity. Challengers are picking off bank customers with macro-personalization.

Fintech 146

Fintech Apple Cards Data 146

CB Insights

JUNE 6, 2019

The company’s assets were acquired by Q Holdings in 2015, and the firm quietly relaunched the Quirky brand in 2017. Second, the thesis that one or two brands would quickly go on to own on-demand food turned out to be either wrong or too early. In September 2015, Quirky finally filed for Chapter 11 bankruptcy protections.

Apple 78

Apple Branding Google Company 78

CB Insights

MAY 23, 2019

WrkRiot’s short-lived house of cards falls down. The Honest Company’s branding and promotional materials claimed that the firm’s goods were free of synthetic chemicals. Croatian-born entrepreneur Renato Libric had a singular vision: to disrupt America’s massive gift card market. The Outcome. The Outcome.

Fraud 78

Fraud Las Vegas Company Video 78

CB Insights

MAY 10, 2018

High tax rates on corporate gains meant that the best way to spend profits was to make acquisitions. In fact, virtually every management consulting framework (including the growth-share matrix) has been explained in books, MBA courses, essays, workshops, seminars, and blogs run by ex-BCG, ex-McKinsey, and ex-Bain consultants.

Strategy 78

Strategy Management Analytics Tools 78

PYMNTS

MARCH 19, 2018

Yet, that’s the claim being made by Scott Galloway — serial entrepreneur and adjunct faculty member at the Stern School of Business who wrote a book , participated in numerous TV interviews and composed a 7,000-word article in Esquire saying just that. How about Facebook gift cards? A slam dunk for Facebook, right?

Google 148

Google Apple Retail Millennials 148

PYMNTS

SEPTEMBER 4, 2019

So, a slowdown seems in the cards. Any drag on consumer spending comes in the face of tax cuts that have been worth as much as $298 billion USD equivalent this year. Banks are also seeing lower reserve requirement ratios, which mandate the capital that must be kept on the books. But what happens if demand does not pick up?

Course 128

Course National Retail United States 128

PYMNTS

JULY 22, 2019

Had I been in town, I might have used Google to find a store near me in Boston that carried the brand I wanted so I could try before I bought. Little known fact: Leach writes in his book that Georgia O’Keefe made a tidy sum in 1927 by painting posters that graced department store walls and windows.

Innovation 170

Innovation US Maine Google 170