Buy Now, Pay Later (BNPL) companies have transformed the way we make payments online. They offer a fresh alternative to using credit or debit cards and they’ve been adopted by companies from Amazon to your local mom-and-pop store. Continue reading to learn more about what BNPL systems have to offer and why they’re making noise!Continue Reading

Contactless payments have taken the world by storm, with its boasted efficiency and how it makes it easy for customers to purchase products with one less step in the process of transactions. Learn more about the intricacies of contactless payments, and how they will impact consumers, businesses, and the overall society from a macro perspective.Continue Reading

FICO Score 10 Suite has just been announced, so what does that mean for you? With average credit scores at an all time high but ever increasing total household debt in the US, the new FICO scoring model is intended to improve consumer behavior predictions and may cause a change in your credit score. Will these changes be advantageous or disadvantageous to you?Continue Reading

Why International Banks Struggle to Innovate in a Strict Ratings Market. The last time credit ratings probably played a major role in your life—if in fact they ever did—was during the 2008 Financial Crisis. As the canonical story goes, crediting institutions packaged subprime loans, often at B or C level confidence, as reliable A level bonds so that banks could extend their lending power.
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