Blogs

Building Better Credit Models

Traditional credit scores can now be augmented with new information to build better credit models. Social media profiles, GPS location data, and transaction records can help to form a complete picture. The benefits of better credit models might include more accurate pricing of credit, fewer defaults, and broader access to credit. More Accurate Than a…
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Leapfrogging into the Fintech Age

Financial firms that have been slow to adopt new technologies often worry that they cannot catch up. Yet, many developing countries have successfully used leapfrogging strategies to equal and even surpass advanced economies. If entire nations can use leapfrogging to advance beyond the leaders, then financial firms can too. The Theory of Leapfrogging Today, the…
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Fintech Solutions for Intellectual Property Management

Although relatively little has been done so far, financial technology has enormous potential for intellectual property management. At the earliest stage, fintech could give small intellectual property holders a quick and easy way to establish ownership. Financial technology might eventually allow for automatic partial licensing of intellectual property and enable greater customization of the user…
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The New Killer Apps

In the past, a killer app was an application that motivated significant numbers of users to adopt new technology. The new killer apps are mobile apps that allow users to access multiple services from a single interface. For example, mobile payments, banking, credit cards, investing, and a few stores might be available from one app.…
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