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E.g., 2022-06-23
E.g., 2022-06-23
May 16, 2022
Cryptocurrency has hit a crisis point unusual in its short but bright history. Rather than listening to tech evangelists' opinions on the matter, banks need to look at the fundamentals. While price bubbles and market corrections have happened many times since bitcoin launched in 2009, this latest pricing drop—triggered by the unpegging of the Tether and Terra stablecoins—suggests that the...
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May 11, 2022
The sequence of the components of the API acronym—application, programming, interface—does not reflect the sequence in which they are deployed to build an API asset. In fact, “interface” is the first structural component that builds the bridge between the systems to exchange the “applications.” These applications are developed by one party, then accessed via the interface and “consumed” by the...
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April 14, 2022
Disruption from the Covid-19 pandemic has shown how vital healthy global supply chains are to economies and to communities overall. Beyond the pandemic, a new rising issue in the form of inflationary pressures has intensified. This inflation is one of the most severe, virulent factors among those contributing to the disruption of global supply chains. With supply chains suffering, companies...
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April 12, 2022
Spring is all about fresh starts, cleaning, and landscaping—a time of renewal and reflection before summer. Small-business owners might also consider some spring cleaning regarding their cash management and payment strategies. Spring is a great time to reflect on the previous year’s business performance indicators, tidy up some paperwork, and implement new technologies before summer to get a jump...
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April 1, 2022
Not too many years ago, millennials, or roughly anyone ages 25 to 40, were the focus of significant derision from baby boomers and Gen Xers. Labeled the “Me Me Me” generation, millennials were thought to be narcissistic, self-indulgent, and entitled. They were also disproportionately not hitting life benchmarks, such as buying a home or having kids, at the same rate as previous generations....
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March 1, 2022
Following months of diplomatic threats and military maneuvers that left world leaders and commentators wondering whether President Putin was aggressively bluffing to alter the future growth of the North Atlantic Treaty Organization (NATO) or if Putin was simply engineering a pretext for an invasion of Ukraine, Russian forces entered Ukraine last week. Tremendous uncertainty characterizes the...
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February 16, 2022
Buy now, pay later (BNPL) vendors and their solutions have exploded in popularity in recent years, propelled by the COVID-19 pandemic and rapid digital-commerce growth. It’s almost impossible nowadays to go to a store or visit a merchant’s website without seeing a banner or widget to buy now and pay later—usually in fixed-interest-based or interest-free installments—with an increasing, sometimes...
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February 15, 2022
On February 7th, Fiserv—a publicly traded company and one of the largest financial service technology providers—announced that it is acquiring the remaining ownership of Finxact, a software developer of cloud-based banking solutions that was founded in 2016. This move signals a new form of competition between banks and fintech vendors. The deal has garnered significant media attention, not...
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February 2, 2022
SAP announced last week that it will be acquiring a controlling stake in the capital management company Taulia. This move confirms what Aite-Novarica Group recently discussed in its report Bank-Friendly Supply Chain Finance Platforms: An Innovative Approach. SCF platform vendors must integrate their platform solution using API connectors to share data with bank partners. Banks must set up...
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January 21, 2022
Technology is changing more rapidly than most commercial banking and payments institutions can absorb. More and more non-FI providers are emerging to address the rising demand for automation and autonomy in banking services where FIs may be lacking. The dynamic this creates is one of an evolving ecosystem in which no single partner or provider is meeting all the treasury, lending, and technology...
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