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E.g., 2021-01-22
E.g., 2021-01-22
January 13, 2021
The role of insurance is to bring some predictability, manageability, and stability into what is, in essence, a chaotic and uncertain world. After what we have all experienced in 2020, any form of normality would be welcomed. Fortunately, at the beginning of 2020, many property and casualty insurers were focused on digital transformation to ensure continuity and management of their business...
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December 29, 2020
Chargebacks are often the bane of most merchants’ existence, as they take time and resources away from productive efforts. Businesses would love to close their eyes, click their heels three times, and have chargebacks go away. If only it were that simple, Dorothy! But preventing chargebacks is becoming that simple. Newer industry solutions are putting more control in the hands of merchants—...
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December 28, 2020
A vulnerability in the SolarWinds Orion product paved the way for immense cybersecurity attacks in 2020. Attackers slipped into corporate and government agency networks using compromised user credentials and then used powerful exploits to gain elevated administrative privileges. Central to the attacker’s strategy was security assertion markup language (SAML). It is a standard that guides networks...
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December 24, 2020
Hundreds of articles have already been written about the recent sophisticated campaign to penetrate government agencies and enterprises using a doctored software update to SolarWinds Orion, SolarWinds’ network management product. Up to 18,000 SolarWinds customers may have been affected. It’s likely that the cybersecurity community will learn more in the coming weeks, but what we know now points...
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December 17, 2020
For the second year in a row, Aite Group has partnered with TransUnion to conduct a comprehensive survey of the third-party debt collections industry. The industry was rocked this year by the sudden economic downturn and need to work remotely brought about by the COVID-19 pandemic. While some companies have done a brilliant job of pivoting to this “new normal” and are reporting strong results...
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December 17, 2020
While Sibos was a little different this year, what remains the same is that the payments industry is still banking on ISO 20022 to become the de facto standard of payments messaging. In an interesting session, Saqib Sheikh, the global head of the ISO 20022 program for SWIFT, referred to ISO 20022 as the next-generation standard for how entities speak to one another in payments. This simple...
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December 2, 2020
Earned wage access (EWA) solutions enable workers to obtain some of the pay they’ve already earned before their regular payday. Companies such as DailyPay, PayActiv, and Even have offered these solutions for several years through partnerships with employers. These solutions can help consumers solve for financial shortfalls or ill-timed expenses without using high-cost credit or overdrawing a bank...
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December 1, 2020
“Robocop,” “Ex Machina,” “I Robot”: Hollywood loves to make movies about robots taking over the world, which thankfully is not yet a reality (…though it is 2020). However, on the internet, bots truly have achieved significant critical mass, representing an estimated 37.2% of all internet traffic. Bots are software programs that perform routine tasks and execute commands automatically. All bots...
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November 30, 2020
投資分析用に用いられるFoot Traffic Data(店舗や建物へ出入りする顧客に関するデータ:オルタナティブ・データの1種)を、銀行の融資部門がコロナ下における企業向け融資審査に応用して効果をあげており、2020年11月に発刊したレポート「Advan Foot-Traffic Data: Finding the Diamonds in the Pandemic Rough」でも注目しています。 ■ Foot Traffic DataのAdvan Research社 Advan Research 社は、携帯電話の位置情報を活用して、店舗や建物へ出入りする顧客データ(Foot Traffic Data)を把握、匿名化して販売する事業者だ。これまで、ヘッジ・ファンドなどの投資家や機関投資家(バイサイド企業)がオルタナティブ・データとして活用していたが、コロナ・パンデミック下、...
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November 20, 2020
米国では、走行中のスマホ操作に起因した業務用車両事故が問題視されていますが、企業や損保会社を巻き込み、専用アプリを活用して運転手のスマホ操作を未然に防ごうとするベンチャー企業LifeSaver Mobileが登場、弊社レポート「LifeSaver Mobile: Preventing Distracted Driving Through Advanced Technology」でも取上げています。 ■ 走行中のスマホ操作と交通事故 米国では、交通事故の27%がスマホ操作に起因していると推計されている。一方、業務用車両は1億5000万台以上あり、交通事故の40%が業務関連の走行で生じている。コロナ・ウイルスの蔓延を背景に、個人所有の車両の走行距離は減る方向だが、業務用車両は増える傾向が見られる。 このような状況下、多数の業務用車両を運用している企業は、...
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