The Cyber Insurance Market Needs More Money
Harvard Business
MARCH 10, 2022
Securities could help give insurers the breathing room they need to keep growing — and meet customers’ mounting needs.
Finance Insurance Marketing 
US Market Entry Challenges That Require Overcoming
Business Consulting Agency
OCTOBER 1, 2024
Entering the US market offers immense opportunities for businesses worldwide, yet the journey is often complex. The market’s size and diversity bring numerous challenges that companies must overcome to establish a strong foothold. Here, we’ll examine the main challenges of entering the US market and explore ways to overcome them.
Marketing 
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How the Financial World Adapts to Climate Change
Tom Spencer
OCTOBER 16, 2021
Knowing the ins and outs of upcoming trends in finance is indispensable for any aspiring consultant. A prime example for such a question is how finance is adapting to the issue of climate change, and might assist its mitigation. Green Finance. For instance, the payout might increase with the wind speed recorded for a hurricane.
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Why CEO’s Hire Consultants and Coaches: The REAL Value They Bring with Brad Rex
Consulting Matters
APRIL 13, 2023
Brad had an unconventional start to his career after meeting his boss's boss while studying finance at college. During his twelve-and-a-half-year tenure, he worked in finance and strategic planning before taking over as leader of Epcot theme park on the week of 911, 2001.
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Wealth Management 101: The Hidden World of Private Banking
Tom Spencer
JUNE 30, 2023
The financial services industry comprises firms that operate across a range of sectors: Asset & Wealth Management, Banking & Capital Markets, and Insurance. In simple terms, asset management firms are the ‘manufacturers’ of investment products (e.g., clients can purchase iShares on the RBC Wealth platform).
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Liquidity Insurance
MishTalk
JANUARY 23, 2014
per cent in the 12 months to October, according to Factset, a market data company that compiles a consensus of analysts’ forecasts. Nick Nelson, an equity strategist at UBS, said: “ Chief executives and chief financial officers have been battle-scarred by 2008-09, when they couldn’t get financing when they wanted it.
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Why Life Insurers and Asset Managers Must Join Forces to Win
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. As each side of the business jockeys to promote its own agenda, a life insurer can quickly lose sight of its long-term goals.
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Wealth Management: Building and Protecting Fortunes
Tom Spencer
APRIL 14, 2023
A client’s risk tolerance will tend to increase in proportion to their income and investment experience, and decrease inversely in proportion to their age, family or health problems, number of financial dependents, and market volatility. Zuhair Imaduddin is an Innovation Development Analyst at JPMorgan Chase.
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Finance Can Be a Noble Profession (Yes, Really)
Harvard Business
JULY 17, 2017
When I ask students graduating from Harvard Business School what they’re doing next, I often get some version of “I’m going into finance but…” Then they quickly explain that finance is just a way station on the route to nobler goals. And it is truly fascinating.
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Blockchain Could Make the Insurance Industry Much More Transparent
Harvard Business
JULY 12, 2017
While Edward Lloyd is largely credited with commercializing the insurance industry, with the creation of his namesake firm, Lloyd’s, over 330 years ago, the original concept of spreading risk (or “mutualizing”) goes back even further. Herein, as with all insurance, is where the concept of utmost good faith is laid bare.
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China Faces "Minsky Moment" on Ponzi Financing
MishTalk
MARCH 21, 2014
Inquiring minds are tuning into a report on the Ponzi finance setup in China. We have described in detail over the past two years how we believe China’s twin excesses (excessive investment funded by excessive debt) will inevitably unwind, causing a substantial slowdown in China’s economy, significantly below market expectations.
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60 Using Cartoons to Get Attention in Emails
The Fearless Marketer
APRIL 15, 2019
Here’s the opening of an email to executives in the Insurance Industry interested in increasing sales: We’ve all seen this opera a thousand times: Yes, insurance salespeople have been the victim of vicious stereotypes. This opening relies on the stereotype of the obnoxious insurance salesperson. Don’t forget to have fun.
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The Transformative Power of AI in Business
Tom Spencer
JUNE 9, 2023
For example, in industries like finance and accounting, AI-powered systems can process invoices, perform data entry tasks, and generate financial reports with minimal human intervention. This data-driven approach can enhance agility and enable businesses to respond in real time in rapidly changing markets.
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How the Insurance Industry Can Push Us to Prepare for Climate Change
Harvard Business
AUGUST 28, 2017
It might seem, then, that private insurance can be of little help in addressing climate change. There’s concern that for-profit insurers won’t want to insure risky properties, and that individuals won’t have the wherewithal to buy insurance plans in the first place. Dating back to at least F.
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How To Pitch A Disruptive Business Plan
Tom Spencer
DECEMBER 9, 2017
The Maintech Summit at the Frankfurt School of Finance and Management (co-sponsored by Excon , a local start up instigator) is the first real academic-based “shark-tank” environment for disruptive start-ups in Frankfurt. The concept of medical cannabis covered under health insurance has just become law in Germany. Blockchain 2.0
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Blockchain: New Use Cases for Governments and Business
Tom Spencer
JUNE 24, 2022
Blockchain has already had a significant impact in the finance industry with the global cryptocurrency market cap now exceeding $1 trillion. Bitcoin is the obvious frontrunner in the world of private cryptocurrencies with a current market cap of more than $500 billion.
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The Far Reaching Impact of Blockchain
Tom Spencer
JANUARY 7, 2017
Blockchain technology has been applied in the finance industry in the payments space. However the technology has many other uses – starting with the ability to better monetize alternative energy to the digitisation of insurance contracts. For example, Customer A authorizes payment to buy a convertible bond.
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Gen AI in Banking: Transformative Use Cases
Tom Spencer
AUGUST 16, 2024
The AI model aims to help financial advisors quickly find and synthesize answers to investing and finance queries and offer highly personalized insights on the spot. Real-time market analysis There is a rich potential for Gen AI tools to considerably assist in strategic decision-making. Data-driven decision-making 2.1
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The Corona Virus for Small Businesses
Consultant Journal
MARCH 5, 2020
Think about what’s actually needed for your sales and marketing : Wave or nod instead of shaking hands. Consider arranging financing ahead of time, as part of business continuity preparations. If you haven’t already, you may want to look into business continuity plans and insurance.
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Fall Business Maintenance Strategies
Business Consulting Agency
SEPTEMBER 27, 2024
In this article, we will explore essential fall business maintenance strategies that help keep your operations efficient, your finances in check, and your business ready for upcoming challenges. Consider whether you need to increase spending in areas such as marketing for the holiday season or cut back on unnecessary expenses.
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Risk Exposure vs. “Good” Outcomes
CaseInterview.com
JANUARY 28, 2019
I spent a lot of time in risk-management-based businesses such as insurance, re-insurnace (the insurance companies used by insurance companies), and subprime lending. The latter happened in 2008 (the cause of the Great Recession and stock market crash). Using Kickstarter to finance a business.
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Marketing Analytics Can Improve the Customer Experience - SPONSOR CONTENT FROM GOOGLE ANALYTICS 360 SUITE
Harvard Business
AUGUST 9, 2016
Read more from Google Analytics 360 Suite: Rethinking Marketing Measurement from the Ground Up. 3 Ways Marketing Organizations Can Make Data More Actionable. Marketing can look at this data and decide to test a hypothesis: Is that color product selling best because it’s in an image featured on the homepage?
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Health Economics Part I – Introduction
Tom Spencer
JUNE 15, 2019
However, they attempt to understand the health care market by modelling it as a competitive market driven by traditional forces. Now, this is true for other markets, but in medical care the consequences for consumers of poor choices are more dire than in other markets. This moral hazard further skews cost predictions.
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Effective Manufacturing Operations Management in 2024
Epicflow
AUGUST 30, 2024
Supply chain management aims to regulate the flow of materials, information, and finances across the entire supply chain. This practice increases supply chain efficiency, makes it cost-effective and responsive to market changes. Supply chain management. Maintenance management. Train Employees.
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Asset Management – Industry Overview (Part 1 of 4)
Tom Spencer
MAY 18, 2019
These asset classes can include public equities/stocks, fixed income/bonds, money markets, commodities, infrastructure, real estate and alternative strategies – including hedge funds, private equity and venture capital. As such, asset manager performance tends to be correlated with stock market performance. Franklin Resources.
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China Cash Crunch Eases, For How Long? Three Things China Needs to Avoid; When can Beijing Truly move to Market-Determined Interest Rates?
MishTalk
DECEMBER 26, 2013
China''s Move to Market-Set Rates Let''s step back to December 8 and look at China Relaxes Grip on Interest Rates China is relaxing its grip on interest rates with the launch of a financial instrument that allows banks to trade deposits with each other at market-determined prices. China’s credit boom is still in full swing.
Helping "Qualified" Buyers: Fannie, Freddie Detail 3%-Down Payment Mortgage Program
MishTalk
DECEMBER 8, 2014
Housing finance giants Fannie Mae and Freddie Mac on Monday detailed plans to once again back mortgages with down payments as low as 3%, saying the move to make home ownership more accessible contains safeguards to protect against abuses that led to the subprime housing market crash.
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Simmereing Stew; Italy's Finance Minister Joins "United States of Europe" Parade; Germany's "5 Wise Men" Argue for Grexit
MishTalk
JULY 28, 2015
Italy's finance minister, Pier Carlo Padoan calls for ‘Political Union’ to Save Euro. Italy’s finance minister has called for deeper eurozone integration in the aftermath of the Greek crisis, saying a move “straight towards political union” is the only way to ensure the survival of the common currency. Let's start with Italy.
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28 Obamacare Fraud Free-For-All Now Underway; "ObamaMarket" Enrollment Starts October 1
MishTalk
SEPTEMBER 11, 2013
Finance Exchange says Obamacare Could Be a Fraudsters’ Free-For-All. Have any idea where to find a health insurance exchange? The proper response to fraudulent marketing, of course, is to hang up, delete or slam the door and then contact the FTC. they need insurance, and help enroll them in Obamacare if necessary.
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Making Microfinance More Effective
Harvard Business
OCTOBER 5, 2016
While meeting this challenge is a clear priority for policy makers and donors, it is also a major profit opportunity for commercial players who can solve market failures and create real value. Insurance is highly valuable to protect against shocks but is difficult to scale. Digital financial services let people help each other.
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39 Accenture Careers
CaseInterview.com
JULY 18, 2019
The Financial Services Operating Group concerns itself with Banking, Capital Markets and Insurance. Accenture careers in this field are all about working with clients to rethink marketing in an age that is simultaneously global in scale yet focusing on the customers as individuals. Finance and Performance Management.
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Frankurt: Europe’s New Fintech Hub?
Tom Spencer
NOVEMBER 19, 2016
Further, with Fintech taking hold as a revolutionary force in banking and insurance, the large banks here are considering how to transition in a digital world which will change their business operations and market footprint – and that is not limited just to corporate banks, but global powerhouses like the ECB itself.
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IMF Proposes Eurozone Fiscal Union, Banking Union, Harmonized Employment, Common Unemployment Scheme, Firewall Tax
MishTalk
SEPTEMBER 27, 2013
The tighter control over public finances of each country, which occur revenues and expenditures, is the condition of these forward-looking statements, both from the point of view of the IMF and Brussels. But there is much work ahead for something like a common shutdown could crystallize into a eurozone labor markets as diverse. "A
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Target Drops Healthcare Coverage for Part-Time Workers, Claims No Reduction in Hours; Thank Your Employer?
MishTalk
JANUARY 22, 2014
Effective April 1, Target to Drop Health Insurance for Part-Time Workers. Even though it is not effective yet, it is already having an effect on the job market and putting companies where they would probably not otherwise want to be.” Finance says You May Want to Thank Your Employer. Today, Target, the second-largest U.S.
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Russia Debt One Grade Above Junk With Downgrades Coming, How Likely is Default?
MishTalk
DECEMBER 27, 2014
Anton Siluanov, finance minister, said state-owned VTB, the second-largest lender by assets, could receive Rbs100bn before the end of this year and another Rbs150bn in 2015, while Gazprombank could be allocated Rbs70bn. The central bank said that the state-run Deposit Insurance Agency would provide Trust Bank with up to Rbs99bn.
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Small and Young Businesses Are Especially Vulnerable to Extreme Weather
Harvard Business
NOVEMBER 23, 2016
Almost one third of the firms negatively affected by the storm had no insurance of any Consistent with our predictions, young firms and small businesses insured at much lower rates. Firms applied for credit to finance recovery. Here are some initial priorities for small businesses, insurers, and public policymakers.
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28 Health Care Is an Investment, and the U.S. Should Start Treating It Like One
Harvard Business
APRIL 2, 2018
For one thing, physicians, insurers, and patients often have limited data on the relative value of different health care services. Because patients regularly change insurers, any individual insurer has less incentive to commit to investing in an expensive, high-value treatment if the return on investment could end up accruing to a competitor.
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28 Controversy in Detroit: What's a Fair Settlement of Bondholder and Pension Obligation Claims?
MishTalk
FEBRUARY 4, 2014
And in the view of bondholders, bond insurers and other financial institutions, it only grew worse last week after the city circulated its plan to emerge from bankruptcy and filed a lawsuit on Friday. Orr, seeks to invalidate complex transactions that helped finance Detroit’s pension system in 2005.
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56 Blockchain as Monetized Infrastructure
Tom Spencer
AUGUST 19, 2017
Their sights instead are set on a part of the market that is still coming into its own but where blockchain and cyber currency are likely to have their biggest influence. In turn, this safety feature and the driver’s use of it could be factored into insurance premiums, even if you are only renting a shared automobile. Image: Pexels.
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Each Firm's Favorite Cases
CaseInterview.com
JUNE 13, 2019
If your interviewer works with insurance companies, there's a good chance you'll get an insurance case. For example, McKinsey Houston I've heard has more Oil & Gas cases than say McKinsey New York City - which has more finance, media, and retail cases. If they work in high-tech, you'll get a high tech one, etc.
What Is Blockchain? A Beginner’s Guide
Tom Spencer
JANUARY 28, 2017
The medium of exchange in the world of blockchain is cryptocurrency – tokens that have some value determined either by (a) direct market forces as in the case of Bitcoin or Ether , or (b) by the cost of the computing power required to produce them – in which case they is known as either a “tokens” or “altcoins”.
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Split Appeals Court Rulings on Obamacare Subsidies; Pizza Party for Obama? How Much Would Premiums Rise?
MishTalk
JULY 22, 2014
Two federal appeals court panels issued conflicting rulings Tuesday on whether the government could subsidize health insurance premiums for people in three dozen states that use the federal insurance exchange. million people who were found eligible for subsidized insurance in the federal exchange, or marketplace.
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49 Blockchain Entertainment
Tom Spencer
OCTOBER 14, 2017
This starts with insurance but also extends to supply chain management and shipping. There are already blockchains on the market which are specifically designed for content management and monetization. As of last year, it became the third largest digital currency as measured by market cap. If this sounds futuristic, think again.
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60 France in Review: Perfect Track Record of Economic Ineptitude
MishTalk
DECEMBER 31, 2013
Sitka Pacific is an asset management firm whose goal is strong performance and low volatility, regardless of market direction. Mike "Mish" Shedlock [link] Mike "Mish" Shedlock is a registered investment advisor representative for SitkaPacific Capital Management.
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