ANALYST VIEWS

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ANALYST VIEWS

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E.g., 2020-06-03
E.g., 2020-06-03
December 16, 2019
In 2020, we will see substantial increases in wireless data speeds as well as new applications and business models that will leverage fifth-generation (5G) wireless and Wi-Fi 6 (802.11ax). Both technologies will give enterprise users, consumers, and, yes, attackers the ability to rapidly transfer an enormous amount of data using new devices that will become available in 2020. The potential impact...
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December 16, 2019
Individual coverage health reimbursement arrangements (ICHRAs) and their sisters, excepted benefit HRAs (EBHRAs) and qualified small employer HRAs (QSHRAs), are ringing in the new year as the new shiny thing in health benefits. The excise tax for high-cost employer-sponsored health plans looms over health plans, and presidential candidates are betting on entirely different health insurance...
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December 12, 2019
The RIA market is one of the fastest-growing industry segments in the wealth management market in the United States (see Aite Group’s New Realties report). The RIA market growth has outpaced any other full-service business model for over a decade now. The fee-based nature of the RIA space paired with a fiduciary standard of care has made this market segment very attractive for breakaway brokers (...
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November 25, 2019
I recently had the opportunity to take a public tour of an Amazon fulfillment center in Texas. It was an amazing experience and left me with a clear impression that loss of availability can have a colossal and devastating cyber impact on any organization with complex supply chains or time-sensitive customer services. We all focus on confidentiality of data, but in this case, availability took...
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November 15, 2019
Commercial lending is a crazy business right now. There is far too much capital sloshing around the economy, driving down costs to borrowers and making it hard for lenders to get paid for the riskiness of the loans they extend. Pricing is so disconnected from risk, in fact, that it’s common for bankers to refer to commercial lending as “a loss leader.” Really? All that work fielding loans,...
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November 12, 2019
The race to offer deposit, savings, or “cash” accounts adjunct to existing financial services solutions and nonbank brands continues at full swing, with Credit Karma announcing a high-yield savings account feature on October 3, 2019. On the same day, Samsung—in partnership with Netspend—announced Samsung Pay Cash, an addition to the Samsung Pay digital wallet that allows users to store cash and...
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November 7, 2019
The butterfly effect, a concept originating in chaos theory, describes how small changes can have a nonlinear impact on a complex system, such as the flap of a butterfly's wings causing a typhoon thousands of miles away. The idea here is that small changes—the burgeoning amount of unstructured data being generated in the enterprise, the interminable event fatigue problem created by false...
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Alissa Knight
November 6, 2019
The third-party debt collection industry—comprising collection agencies, business process outsourcers, debt buyers, and law firms collecting debt—is at a critical crossroads. Some collection firms are innovating to meet rising challenges while others are languishing and allowing their clients to view their services as a commodity. To understand the current state of the third-party collections...
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October 28, 2019
From my first days as a private in the Army so many years ago, it was drummed into me that I needed to “know the enemy.” At that time, my platoon was regularly shown photographs and movies that depicted Soviet and Warsaw Pact soldiers in various states of fierceness. I have memories of the visions of hordes of burly soldiers in Soviet uniforms bounding through the snow and doing aggressive...
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October 22, 2019
For decades, sovereign wealth funds (SWFs) have preferred to remain in the shadows. Little was known about them and their nature as long-term passive investors helped keep it this way. In recent years, however, the nature of SWFs has begun to evolve. Alongside accumulating a large and growing pool of capital, the profile of sovereign wealth has been boosted by high-profile investments in...
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