Tom Spencer

JULY 6, 2019

The idea that technology can be configured to drastically improve the delivery and usability of finance began taking off following the financial crisis of 2008, when consumer distrust for traditional banks combined with the increasing popularity and functionality of smartphone apps. Kagan, Julia (2019) What is Fintech?

Financial 60

Financial Banking System Finance 60

Tom Spencer

APRIL 1, 2022

Blockchain technology is making a strong impact in the finance industry due to the fact that it enables decentralization and direct peer-to-peer transactions. The strides in market value that the digital currency has made over the years have attracted global interest. Blockchain technology offers to remove this point of failure.

Energy 88

Energy Banking System Financial 88

BCG

DECEMBER 15, 2016

Article Thursday, December 15, 2016 Life insurers are feeling the squeeze. Yet that income stream is weakening, as low-risk investment yields dip toward 0% and central banks continue to drain the bond markets. The industry’s overall business growth has stalled, and investment income has become a critical mainstay.

Insurance 40

Insurance Insurance Cash Flow Management 40

Epicflow

OCTOBER 16, 2023

The problem is that the intended outcomes and commitments to the market might be negatively affected, harming the reputation of the organization. But combine that with a minor delay in raw material delivery and throw in a sudden but not surprising market fluctuation, and you have a perfect storm. Adaptive planning becomes crucial here.

Resources 52

Resources System Tools Management 52

Tom Spencer

MARCH 24, 2018

Chinese people really love their smart phones, and daily life is also being transformed by the many apps used for everything from hailing a car with Didi (the company that bought Uber China in 2016) to ordering food delivery with Ele.me or Meituan Waimai. There are reminders everywhere of the energy and inventiveness of the populous.

Trends 87

Trends Productivity Finance Report 87

MishTalk

FEBRUARY 5, 2014

Russia Cancels Debt Auctions Second Week Yesterday, Reuters reported Russia cancels domestic bond auction citing market conditions Russia''s finance ministry cancelled its weekly domestic bond auctions for the second week in a row on Tuesday, saying in a statement the decision was "based on an analysis of current market conditions".

Resumes 60

Resumes Government Finance Analysis 60

Harvard Business

SEPTEMBER 25, 2017

There has been a truly dramatic retrenchment from foreign markets, making banking a rare case of an industry becoming less, rather than more, global. For instance, before the crisis, the three largest German banks had two-thirds of their total assets in foreign markets; today it is only one-third. And it is not alone.

Banking 28

Banking Balance Sheet McKinsey Finance 28

The Fearless Marketer

APRIL 15, 2019

Yeah, it can be overwhelming doing all that marketing stuff. How do you say coaches are terrible at marketing themselves? This then clears the way to talk about your solution to help their coaches be better at marketing. They’ll read the email and will be warmed up about your services to help them with college financing.

Insurance 88

Insurance Insurance Industry Course 88

BCG

SEPTEMBER 14, 2016

Focus Thursday, September 15, 2016. For the past decade, Africa has been one of the world’s hottest growth markets for private equity investment. In the early 1990s, a mere dozen Africa-based funds managed a combined $1 billion; today, more than 200 funds manage upwards of $30 billion. Or is a bubble building?

Finance 40

Finance Resources Industry Development 40

Management Consulted

FEBRUARY 5, 2017

McKinsey’s New York office recently received a perfect score for the 10th year in a row for the Human Rights Campaign Foundations 2016 corporate equality index, which focuses on the best places to work with regards to LGBT equality and gender equity for women. The office at NYC has grown quite a bit the past ~7 years.

Consulting 157

Consulting Deloitte Bain McKinsey 157

Harvard Business

MARCH 7, 2017

By early 2016 there were 20 HR business partners, covering almost 6,000 employees. But with the departures of a number of high-level HR leaders in late 2016, head of operations Ryan Graves largely took on the head HR role in addition to his other duties.

Recruitment 54

Recruitment Recruiting Finance Agile 54

Harvard Business

JULY 11, 2017

Doing digital M&A right means upending the way most companies approach financing, due diligence, and merger integration. Let’s start with financing the deal. Meanwhile, because digital targets tend to be expensive, acquirers are limited in their ability to use stock to finance a deal. Sponsored by DXC Technology.

Company 28

Company Finance Advertising Tools 28

Harvard Business

MARCH 30, 2017

In it, the authors, both sociologists, made a compelling argument that, to understand labor market outcomes like inequality, it wasn’t enough to look at the supply and demand for individuals’ skills. However, any discussion of firms and wage inequality must not be limited to discussion of market forces. Related Video.

Marketing 28

Marketing Balance Sheet System Training 28

Tsavo Neal

MARCH 30, 2017

Rather than blogs focused on a particular consulting industry, I’m listing blogs that are focused on business development, marketing, and sales for consultants and independent professionals. The Zipursky cousins are marketing masterminds, and have a deep expertise in how consultants can build a thriving consultancy.

Consulting 120

Consulting Journal Marketing Resources 120

MishTalk

DECEMBER 19, 2013

German Finance Minister Wolfgang Schäuble has negotiated a European banking union suited perfectly to his country''s tastes. German Finance Minister Wolfgang Schäuble and his negotiators] succeeded in ensuring that in 2016, the Single Resolution Mechanism will go into effect alongside the European Union banking supervisory authority.

Banking 58

Banking Finance Government Financial 58

MishTalk

MARCH 1, 2015

Reuters reports Austria Imposes Debt Moratorium on Heta "Bad Bank" Austria''s Financial Market Authority stepped in on Sunday to wind down "bad bank" Heta Asset Resolution and imposed a moratorium on debt repayments by the vehicle set up last year from the remnants of defunct lender Hypo Alpe Adria. More than 9.8 Not Insolvent?!

Banking 28

Banking Balance Sheet Finance Construction 28

MishTalk

DECEMBER 2, 2014

The next election for prime minister is not scheduled until June 2016, but a February 2015 presidential election (a largely ceremonial position) threatens to upset the cart. It was the financial markets'' way of hinting that it is still too early to grant Greece full fiscal independence. €2

Finance 67

Finance Government Banking Travel 67

MishTalk

JANUARY 13, 2016

Will 2016 be another record year? Mega-brewer Anheuser-Busch InBev has tested investor appetite for a potential blockbuster bond offering later this week, as the group lines up financing for its $108bn takeover of rival SABMiller. market, SABMiller will sell its 58% stake in a venture with fellow brewer Molson Coors for $12 billion.

Finance 28

Finance Company Marketing Operations 28

Harvard Business

APRIL 14, 2017

Even the near-term outlook has been quite negative: A 2016 report by the Organization for Economic Cooperation and Development (OECD) said 9% of jobs in the 21 countries that make up its membership could be automated. Four years ago, an Oxford University study predicted 47% of jobs could be automated by 2033.

Company 60

Company Survey Finance Engineering 60

Harvard Business

JANUARY 12, 2018

Robo-advisors, which were introduced in 2008 , are steadily eating up market share from their human counterparts much the way that Amazon and Netflix have taken share from Walmart and Regal Cinemas. At the end of 2016, Fitch Ratings estimated that all robo-advisors managed under U.S.$100B will grow to U.S. $5 5 trillion to U.S. $7

Strategy 28

Strategy Strategy& Strategy Consulting 28

Tom Spencer

JANUARY 14, 2022

However, given that the fossil fuel-based energy market is valued at over $5 trillion, the risks involved in the clean energy transition are proportionally huge. Lithium-ion batteries dominate the market but can only store large amounts of energy for a few hours at a time. Figure 4 : Final energy demand, 2016 – 2050.

Energy 88

Energy Transportation Policies McKinsey 88

Harvard Business

APRIL 10, 2018

For example, firms with better-connected CEOs can obtain cheaper financing , and firms with well-connected board directors see better performance. Our study , published in the Journal of Corporate Finance, found that CEOs with strong connections to people of different demographic backgrounds and skill sets create higher firm value.

Research 50

Research Finance Study Analysis 50

MishTalk

AUGUST 12, 2015

The memo covers damn near every aspect of Greek finances, effectively making the Greek parliament a puppet government of Germany. per cent in 2016. Bailout Won't Work The former Greek finance minister made a simply claim today that I endorse 100%: Bailout Won't Work. per cent in 2015 and 1.3 per cent in 2018.

Government 28

Government Finance Pharmaceuticals Report 28

MishTalk

DECEMBER 17, 2013

The latest proposals could see up to 126 people being consulted on how to wind up a bank, even though agreement might need to be reached over the course of a weekend while financial markets are closed. At the heart of the disagreement is what to do when so-called bank resolution funds, financed by the banking sector, run out of money.

Banking 62

Banking Finance Balance Sheet Financial 62

MishTalk

FEBRUARY 5, 2014

New money would help Greece fill a financing gap that has vexed European Union and IMF authorities working to make sure the rescue programs stay on schedule. Sitka Pacific is an asset management firm whose goal is strong performance and low volatility, regardless of market direction.

Finance 55

Finance Banking Policies Management 55

Harvard Business

APRIL 3, 2018

The paltry market for organic wine around the world belies the fact that over the past half century, countless organic winegrowers and vintners have dedicated great effort to creating a larger market for the category, without much success. While 6% of the wine sold at Systembolaget in 2011 was organic, by 2016 it was over 20%.

Chemicals 48

Chemicals Retail Case Interview Turnaround 48

MishTalk

SEPTEMBER 11, 2015

Slowly but surely, Illinois government is beginning to drown in red ink, State Comptroller Leslie Munger said today, as the cost of the continuing Springfield budget war steadily worsens the already bad condition of state finances. Budget Gap Figure 2 shows a projected deficit of $9 billion for FY 2016 to 2022.

Finance 28

Finance Government Sales Study 28

Harvard Business

OCTOBER 24, 2016

In September 2016 we undertook a survey of nearly 300 endowment and foundation managers. This disconnect is a major problem for the continuing development of efficient capital markets. In short, we need the world’s biggest investors to connect with the world’s nimblest investment-technology startups.

Operations 28

Operations Finance Media Financial 28

MishTalk

DECEMBER 18, 2013

The figures follow a deal agreed by European regulators earlier this month that will bring in so-called bail-in rules for senior bondholders from 2016, two years earlier than envisaged by finance ministers in their common position agreed in June.

Banking 58

Banking Balance Sheet Finance Government 58

Harvard Business

APRIL 5, 2018

The myth of Silicon Valley is that venture-funded entrepreneurship is a generalizable model that can be applied to every problem, when in actuality it is a model that was built to commercialize mature technologies for certain markets. At first, Opus 12 targeted the largest addressable market it could find: ethanol, an additive of gasoline.

Nonprofit 28

Nonprofit Engineering Industry Finance 28

MishTalk

MAY 14, 2015

The European Central Bank president said the apparent success of policies such as the ECB’s landmark €1.1trn quantitative easing package should not “blind” policy makers to the potential consequences of their actions on risk-taking in financial markets and in exacerbating wealth disparities. Is QE Working? Why did rates fall in the US?

Policies 28

Policies Financial Banking Finance 28

Harvard Business

MAY 18, 2016

and globally, and Habitat for Humanity, which works in 70-plus nations to provide home construction, rehabilitation, and increased access to shelter and financing, gathered data from their sites to make the case for profound change. By February 2016, more than three-quarters of the Central Territory Corps were trained in the new model.

Data 46

Data Finance Education Survey 46

Harvard Business

JUNE 1, 2016

Increasing the social media marketing budget is not digital transformation. Jeffrey Immelt, CEO of GE, started off 2016 by saying : “We can’t be an industrial company anymore. If not, take the time to review our research and ask yourself, how long do I have before network orchestration infiltrates my markets?

Industry 28

Industry Metrics Transportation Strategy& 28

Harvard Business

MAY 5, 2016

But peruse some of the recent headlines about Iran , and you might wonder whether the market’s potential was overstated. However, despite a weakened economy, political tensions, market uncertainty, and the lingering effects of sanctions, Iran remains an important opportunity for multinationals in emerging markets.

Tourism 28

Tourism Banking Hotels Financial 28

Harvard Business

MARCH 24, 2017

Then, via price dynamics determined by market supply and demand, the value is settled on by the network of participants, rather than by a central authority or government. ICOs are the Wild West of financing — they sit in a grey zone where the U.S. Insight Center. Business in the Era of Blockchain.

Finance 52

Finance Financial Government Software 52

Harvard Business

AUGUST 30, 2017

Since its founding just eight years ago, Uber has become one of the best-known brands in the world, has presence in over 80 countries, has market share reported at 77% in its core U.S. It was the pioneer in social networking, arguably one of the highest-potential markets ever.

Energy 49

Energy Talent Research Company 49

Harvard Business

SEPTEMBER 13, 2018

Stock market booms primarily boost the wealth at the top of the wealth distribution where portfolios are dominated by listed and unlisted business equity, thereby, increasing wealth inequality. The existence of these different portfolios means that wealth inequality is essentially a race between the housing market and the stock market.

Financial 28

Financial Research Real Estate Trends 28