Pulse: US


Truth and Payments

The FinTech revolution is not lost. Its outlines may be obscured by the fog of events, but, as this week's links show, it's still moving forward.

Editor's Note: The next issue of FinTech Rising will be published on June 29, ahead of the July 4 holidays in the United States.

Rebuilding "truth"

FinTech Favorites

This week's report focuses on some of my long-time favorite sources of banking and FinTech news and insight. I follow the industry through reports from media organizations and industry experts I respect and trust. I started thinking about my sources and methods after reading Ron Shevlin's post "FinTech influencer lists have jumped the shark."

"Mystical Millennials"

"The Mystical Millennials are overly romanticized," said Vic Pascucci, managing partner at VC firm Lightbank. Panelists at Morningstar's New York FinTech Forum, agreed that FinTech services are overly focused on Millennials, with a tendency to focus on FinTech products over consumer experience.

Recent research bears them out.

How to Raise Incomes and Delay the Next Recession

Last October, mulling over the economic environment the next President would face, I sent Hillary Clinton memos on how she should provide some stimulus to sustain the current expansion and raise incomes by boosting business investment and productivity. Alas, she did not become President; but that didn’t change our current economic challenges. To be sure, President Trump’s manifold troubles may preclude Congress from doing anything meaningful until after the 2018 elections. But if that’s not the case, here’s some advice for both sides.

Symbiotic Disruption: Skilled-Nursing-REIT Ecosystem Adapts to Market Dynamics

Co-authored with Wyatt Ritchie, a senior banker focusing on Post-Acute Care and Outsourced Services.  

Nature thrives on symbiosis. Its many ecosystems would not exist without important relationships between sometimes strange bedfellows. The oceans’ most colorful coral reefs, for example, are often found in clear water relatively devoid of nutrients.

Digital Fuel

It's data. As The Economist newspaper put it in last week's briefing, "data are to this century what oil was to the last one: a driver of growth and change."

Regulatory Riddles

Financial regulators leave a lot to speculation in their public speeches. They leave clues and indicators but, knowing market participants are eager for early policy indications, they are careful not to say much.

Data Plays

Data and analytics are the tactical drivers of FinTech, the heart and muscle moving the digital transformation of financial services. The strategic brains of the business lie in the prenatal business logic that will create new financial pathways.

40 Years in the Payment Reform Wilderness: DRGs to Nirvana - Part 1

Co-authored with Gaurov Dayal and Jeff Smith of Lumeris.

In an ideal state, a well-functioning healthcare delivery system should provide the right care at the right time and the right place, while being accountable for clinical and financial outcomes.

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