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Fair Isaac, creator of the FICO credit score, will be rolling out a new scoring system in early 2019. According to the Wall Street Journal , the UltraFICO Score should help many consumers get approved for loans because it factors in how consumers manage the cash in their checking, savings and money-market accounts, which could serve as an indication of how likely they are to repay their debts.
I have spent years forecasting software and SaaS company financials. One area of the P&L that receives extra scrutiny from leadership and investors is the sales and marketing area. It’s easy to get lost in a sea of SaaS metrics, but in this post, I’ll focus on a couple easy and popular (meaning important) SaaS […]. The post Simple Sales Efficiency Metrics for SaaS Leaders appeared first on The SaaS CFO.
Connected devices — smartphones, tablets, voice-activated speakers, smartwatches, in-car dashboard systems — are changing how consumers in the U.S. buy and pay. Not just some consumers, but almost all of them. We have brand-new data that reveals how much change is happening. Using smartphones and apps to autopay at gas stations, or to find and pay for parking, or asking a voice-activated assistant on the other end of a speaker to order a pizza aren’t just what early adopters of cool, connected
Corporates across the Asia Pacific region are increasing their use of commercial card products, according to a new report from Citi. Reports in The Asset on Thursday (Oct. 25) said Citi’s Asia Pacific Commercial Cards Survey 2018 revealed businesses in the region are expanding their commercial card programs, as organizations shift away from legacy payment tools and use their cards for more spend categories, including procurement and meetings and events.
Finance isn’t just about the numbers. It’s about the people behind them. In a world of constant disruption, resilient finance teams aren’t just operationally efficient. They are adaptable, engaged, and deeply connected to a strong organizational culture. Success lies at the intersection of people, culture, adaptability, and resilience. Finance leaders who master this balance will build teams that thrive through uncertainty and drive long-term business impact.
JPMorgan Chase is doubling down with its FinTech aspirations, gearing up to start development of a new FinTech corporate campus in the early part of 2019. CNBC reported that the campus in Palo Alto, California will be home to more than 1,000 employees. The campus will be located between Facebook and Google in the Stanford Research Park. JPMorgan Chief Executive Jamie Dimon views technology as a way to keep back the competition from FinTech startups that are luring over millennial customers in dr
Ripple said that its revenues related to the sale of the digital asset known as XRP gained ground in the third quarter of this year, more than doubling over the second quarter (that is, sequentially). The company said in its third-quarter report on XRP markets that it sold $163.3 million in the latest period, up from the $75.5 million in the second quarter.
Ripple said that its revenues related to the sale of the digital asset known as XRP gained ground in the third quarter of this year, more than doubling over the second quarter (that is, sequentially). The company said in its third-quarter report on XRP markets that it sold $163.3 million in the latest period, up from the $75.5 million in the second quarter.
Tala, the consumer lending app in emerging markets, announced Monday (Oct. 22) a strategic investment from PayPal. In a press release , Tala said the undisclosed investment from PayPal will help the company bring visibility and access to underserved regions in emerging markets across the world. According to Tala, more than two-thirds of the adult population in the world has no formal credit record, which makes it hard for them to access traditional financial services.
With the help of travel experts, hotels can tap into a new channel to drive online bookings: Travelers can be inspired to book a reservation after seeing a photo or recommendation from a knowledgeable explorer. In that spirit, SIX Travel provides explorers with a curated list of hotels specifically handpicked by travelers, editors and publishers. The idea is to provide consumers with a simple way to discover and book hotels that is also hyper relevant to them.
Visa’s chief executive officer Al Kelly doesn’t think cryptocurrencies are a threat to its business and is ready to implement systems that support it if it becomes more mainstream. In an interview with CNBC Thursday (October 26), Kelly said there has to be a market where cryptocurrency becomes “somewhat like a fiat currency in order for us to be comfortable,” Kelly said in an interview with “Mad Money” host Jim Cramer, noting that crypto isn’t a threat to its business either in the short or medi
Amazon Business is bolstering its services for small businesses through a new co-branded commercial card with American Express as well as enhanced Prime features for business users. In an announcement Tuesday (October 23), American Express introduced the Amazon Business American Express Card, offering businesses a streamlined checkout experience when purchasing on the Amazon Business and Amazon.com platforms.
In the accounting world, staying ahead means embracing the tools that allow you to work smarter, not harder. Outdated processes and disconnected systems can hold your organization back, but the right technologies can help you streamline operations, boost productivity, and improve client delivery. Dive into the strategies and innovations transforming accounting practices.
The SBI Group plans to license Sepior ApS ’ wallet technology to use in its own wallet, which will become a part of its digital currency exchange platform, the company said in an announcement. When it came to the decision, SBI said that Sepior’s multiparty computation (MPC) approach allows for a high level of protection for crypto wallets. SBI President and CEO Yoshitaka Kitao said in the announcement that signatures based on MPC “offered our desired level of security, performance and scalabilit
Visa has announced new product details in anticipation of the first quarter 2019 launch of its new cross-border B2B payments solution B2B Connect. “With B2B Connect, we’re developing a new way for businesses to make cross-border, high-value payments — fixing broken processes and breaking down geographic barriers along the way,” Kevin Phalen, global head of Visa Business Solutions at Visa, said in a press release.
Bank of America Merrill Lynch (BofA Merrill) is introducing a new solution for other financial institutions (FIs) in the interbank payment system to automate foreign exchange (FX) conversion. The new solution, AutoFX, aims to make it easier for smaller banks to streamline cross-border payments for their customers by automating foreign exchange conversion before the transaction occurs, rather than relying on the receiving bank to conduct that transaction.
Welcome to Five at Five, your late look at the day’s payments and commerce news. Today’s coverage includes the latest on how Visa views cryptocurrencies, and Expedia’s fresh plan to take on Airbnb. Moody’s has news about the charge-off climate, chocolate is getting more expensive and the OCC’s bank charter plan faces more trouble. Visa Doesn’t View Cryptocurrency As a Business Threat.
Our 2025 Center Travel Survey is clear: as corporate travel increases, so does corporate credit cards distribution, and a rise in off-platform travel booking. This 61% rise causes various challenges: compliance, spend control, reporting problems, and a lack of visibility across organizations. To evolve with the ever-changing needs of travelers, decision-makers need a better solution.
The world has a plastic problems — a fact illustrated earlier this week when researchers from the Environment Agency Austria and the Medical University of Vienna jointly presented evidence that there is so much plastic in the environment that we’ve actually begun to inadvertently eat it. Scientists are now looking for more funding to get a better understanding as to how so much plastic has made it into human digestive tracts worldwide — but the big takeaway, Mastercard President of Cybe
Facebook is reportedly gearing up to acquire a cybersecurity company in an effort to assure users that security is a top priority of the social media company. CNET , citing a report from The Information, reported Facebook has reached out to several security companies that could be takeover targets. The Information cited unnamed sources for its report, noted CNET.
Consumers go on a lot of different types of digital journeys in a day — they might shop online, do some banking, move funds between accounts, do some light online browsing. And while there are a lot of different contexts for digital journeys, Diebold Nixdorf VP Dr. Michael Schulte told Karen Webster in a conversation along with his colleague, Managing Director Michael Engel, that consumers perceive their online travels as a single journey.
In the blockchain space, the announcements come fast and furious. The movement to bring all sorts of data and processes to the decentralized ledger model and to blockchain platforms is an inexorable one. At the same time that press releases seem to accrue on a daily basis, earnings calls offer a bit of a progress report, where company management gives investors, analysts and observers of various industries a bit of insight into how certain initiatives are faring – and how they are contributing t
Finance teams are balancing more than ever, but manual processes shouldn’t slow you down. In this ebook from BILL, discover how AI is transforming finance—automating AP, expense tracking, and document management to reduce errors, increase efficiency, and improve financial control. Learn how real companies are using AI-powered automation to streamline workflows, detect anomalies, and gain deeper insights.
New technologies bring new ways for consumers to buy and pay for goods and services, such as using voice-activated devices to order groceries, takeout, digital goods and clothing. At the same time, retailers such as Sam’s Club are expanding delivery options to consumers with the help of Instacart. In addition, eCommerce shopping events, such as Singles Day , can bring in tens of billions in sales for Chinese eCommerce retailers, while online services like Scentbird are using the subscrip
The business-to-business (B2B) buying experience has changed; there’s no doubt about that. The business-to-consumer (B2C) commerce landscape has had a massive influence on corporate buying habits, from sourcing through payments. It’s often described as the “ Amazon effect,” as suppliers explore how to provide a consumer-like experience to business buyers.
Anthem, the health insurance company, has landed Udi Manber, the Google executive who ran engineering for its core search products, as its new head of artificial intelligence. CNBC, citing people familiar with the matter, reported Manber will be in charge of overseeing the artificial intelligence group at the insurance company and is expected to boost up his team.
Apple ’s chief executive Tim Cook is calling for Bloomberg to retract a story that claimed the company was the victim of an attack on its hardware that was conducted by the government of China. BuzzFeed News , citing an interview it had with Apple’s CEO last week, reported Cook responded to an inquiry about the fight with Bloomberg over the story Apple has repeatedly denied by saying that there isn’t any truth to the story: “They need to do that right thing and retract it.
Technology is rapidly changing the way accountants perform and manage month-end activities. Spreadsheets, emails, and shared drives no longer need to slow you down. In under four weeks, your team can start reaping the benefits of month-end close automation by vastly reducing spreadsheets, cut down on reconciliation work, speed up the month-end close, and better manage your remote team.
In the pre-mobile world, in the time before the Uberization of every conceivable service, the gig economy existed — just not in the highly organized and monetized fashion as it is today. In fact, Head Blockchain Engineer Stan James at decentralized blockchain marketplace provider Origin told PYMNTS in a recent conversation that the central locus of the pre-digital gig economy was the community bulletin board.
In an average week, the average consumer spends about 24 hours online – exactly 1/7 of their time. They use their phones to order food and to decide what they eat before they order. They shop, pay bills, book and manage travel – all digitally. With risk, of course, due to endemic identity theft concerns – but also with a lot of reward. Consumers have more retail modes than ever before, in more regions of the world – and a greater ability to expand and customize their commerce activit
As Uber seeks to attract investors ahead of a potential initial public offering (IPO) with aspirations beyond ridesharing, food delivery in the skies might be in the company’s not-so-distant future: It is reportedly looking to launch drones for takeout in the next few years. In a job posting, the company noted that it wanted to make delivery drones work by 2019 at the earliest, and have the drones operational in some markets when 2021 rolls around.
The Centers for Medicare and Medicaid Services announced Friday (October 19) that a government portal that insurance agents and brokers use to help customers sign up for healthcare was hacked, with the bad guys getting off with the personal data of 75,000 people. In a press release late Friday, CMS said that earlier in the week staff detected anomalous activity in the Federally Facilitated Exchanges (FFE)’s Direct Enrollment pathway for agents and brokers.
Your past-due accounts are growing, cash flow is tightening, and the pressure is on. The big question: Do you handle the collections internally or outsource to experts? Both strategies come with advantages and risks - but which one delivers the best impact for your business? In this session we’ll dive deep into the in-house vs. outsourcing debate, examining cost-effectiveness, efficiency, compliance risks, and overall recovery success rates.
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