Credit cards have the potential to add extra value to everyday expenditures, with very little effort on the part of the cardholder. By spending within your means and paying off your card each month, it’s extremely easy to get a kickback from every single purchase without any negative effects. Continue Reading
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
Nowadays, it seems like you can buy anything online. A single click of a button could result in an excellent purchase, or may well be money flushed down the drain. This read offers a fresh perspective towards online shopping, including the integration of blockchain to create transparency.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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