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E.g., 2021-06-20
E.g., 2021-06-20
March 10, 2021
The announcement confirms that for supply chain participants the adherence to sustainability practices has gone beyond a “nice to have.” Poor performance in sustainability practices has serious business impacts on a company’s trade operations, to the point that the SWIFT KYC Registry has been integrated with the International Chamber of Commerce’s (ICC’s) Sustainable Trade Finance Guidelines...
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March 4, 2021
Financial services companies are finally cashing in on cross-border payments. There is more innovation and change than ever in the global payment industry. In 2014, there were only 14 local real-time payment schemes. There are now more than 60, with 20 of those networks launching in the last 18 to 24 months amid advances in payment technologies, including messaging standards and cloud computing,...
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March 3, 2021
Consumer lenders face considerable challenges making loan decisions in this volatile and uncertain economic environment. While traditional credit data is certainly foundational in assessing creditworthiness, other sources can provide critical real-time insights that this data lacks. In a recent Aite Group survey, nearly half (48%) of consumer lenders indicated that they are somewhat less or far...
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February 28, 2021
日米ともどもビジネスのデジタル・トランスフォーメーション論議が盛んですが、米国の銀行がめざすDXの方向をまとめてみました。 ■ アマゾンのカスタマー・エクスペリエンス アマゾン・ドットコムは、カスタマー・エクスペリエンスにこだわる企業として知られている。同社の社是は「Earth’s most customer-centric company」だが、Webサイトの使い勝手だけでなく、豊富な品揃えや低価格指向、迅速な配達、更にそれらを支えるITインフラや自動化倉庫など様々な施策すべてが、カスタマー・エクスペリエンス向上というベクトルに合致している。 その結果、アマゾンの顧客は、デジタルで提供されるカスタマー・エクスペリエンスに満足し、アマゾンの社員と会ったりコールセンターに連絡した経験がなくとも、アマゾン・ドットコムという企業に信頼感を持ち、それが企業の成長を支えている...
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February 22, 2021
2021 will see an influx of new companies launch debit, credit, and prepaid card programs in the U.S. and globally, fueled by card processing platforms and Banking-as-a-Service providers that have made it easier than ever to launch cards and other banking products. And other players, such as banks and credit unions, card networks, and card manufacturers, recognize an opportunity to support or...
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February 17, 2021
When I transfer money from my bank account to my son’s account at the same financial institution, he can (and generally does) spend the money moments later. If I lose a bet to a friend and have to pay him US$20 in cash, he can spend it right away. Consumers expect money to move from one person to another immediately. But that’s not true in a lot of places in the payments ecosystem.  When...
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February 9, 2021
2009年のビットコイン誕生以来、仮想通貨に関する様々な話題が取上げられますが、アイテグループでも、 2020年7月に発行したレポート「Central Bank Digital Currencies: The Next Chapter in Digital Payments?」で、各国の中央銀行が研究している「中央銀行デジタル通貨(CBDC)」に関する論議をまとめています。ここではレポートの概要を解説しました。   ■ 各国のスタンス 中央銀行が発行するデジタル通貨(Central Bank Digital Concurrency:CBDC)は、2015年にイングランド銀行が重要な研究テーマに掲げたことから注目されるようになった。民間が発行するビットコインなどの仮想通貨と違い、CBDCは中央銀行が紙幣や通貨と同等の価値を保証するデジタル通貨である。...
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February 8, 2021
If you are buying or selling a house, your realtor will tell you that the value of the property is determined by  “location, location, location.” For insurance companies, location is just as crucial. For an underwriter to accurately assess the risk on a property, it is essential that they consider the location of the property. How close is it to the coastline? Is it on a flood plain?...
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January 29, 2021
コロナ・パンデミックに伴う在宅勤務やデジタル庁の新設など、ざまざまな分野でデジタル・トランスフォーメーション(DX)が注目されていますが、米国では、アプリケーション面に加えシステム運用面での見直しも必要との認識が生まれています。アイテグループでは、そのソリューションであるAIを活用したシステム運用ツール:AIOpsの動向を「AIOps in Digital Transformation: Managing Complexity in the Modern IT Stack」としてまとめました。ここではその概要を解説しています。   ■ DXでシステム環境が複雑化 デジタル・トランスフォーメーション(DX)には様々な定義があるが、ここでは「ITを活用してカスタマー・エクスペリエンス(CX)を改善し、競争力を高めること」と考えたい。制度面やビジネス・...
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January 29, 2021
By Spencer Mindlin and Christian Benson If you’re confused about what’s been going on with GameStop and its wider implications, you’re not alone. Throughout this week, I have been receiving inquiries from friends and colleagues keen to understand what this all means. The truth is that, far from being a simple market occurrence, the events of the past week represent the intersection of...
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