As we roll into 2022, we find ourselves revisiting foundational assumptions about how businesses work and how companies can create competitive advantages for themselves. Change is always with us, and businesses evolve as they balance investment priorities and risk tolerance. Sometimes, however, seismic shifts cause the world to change so quickly that failure to adapt can lead organizations into dead ends. These companies can become the commercial equivalent of military leaders focused on winning the last war, leaving themselves blind to what it will take to win the next one.
January 20, 2022 by Susumu Suzuki
米国では、2015年頃から普及が始まったロボ・アドバイザー（デジタル・サービス）に人的アドバイスを組み合わせるハイブリッド・アドバイザー・サービスが登場していますが、その推進チャネルとして職域マーケットが注目されており、大手証券会社も参入の構えです。ここでは、この分野の概要とフィンテック・ベンチャー事例をレポート：The Promise of Financial Wellness: The Battle to Deliver にまとめています。
■ 企業が社員のフィナンシャル・アドバイスに取り組む背景
調査によると、米国では国民が日々ストレスを感じる/不安に思う要因は「お金にまつわる心配」が回答の50%以上と第一位を占め、「仕事に対する不安」や「家庭での心配事」（いずれも20％以下）を大きく上回っている。若年層は学費ローンの返済や毎月のキャッシュ・フローの心配、働き盛りでは住宅購入や子供の学費（米国の大学の学費は、500万円/年間以上が多い）、退職期が迫った年代では、退職後の生活資金だ。金融危機後の社会の変化やコロナ・パンデミックがストレスを加速させている。
January 18, 2022 by Paul Kizirian
Business email compromise (BEC) fraud continues to plague commercial trade payments despite the best efforts of banks and software service providers to stem the flood of spoofed emails and risky looking transactions. The FBI reported that in 2021, BEC-related losses added up to over US$1.8 billion. This type of fraud generally targets the staff of a commercial enterprise and persuades them to make a seemingly legitimate payment which ends up going to a fraudster.
January 13, 2022 by John Keddy
There is no doubt that the Great Resignation is occurring. The voluntary resignation rate continues to rise, reaching another record level in November. But how did we get here? Aite-Novarica has observed that the Great Resignation did not emerge out of thin air. The “Great Disconnect” is one of the causes.
January 12, 2022 by David Albertazzi
COVID-19 has changed many aspects of daily life since it first emerged. One key area of change that impacts the retail banking and payments industry is the channels through which consumers browse, purchase, and pay for goods and services.