In a very real sense, challenger banks are nothing new.  They have been around for a long time. In the UK there has always been a large number of challenger banks – the Co-op, Yorkshire Bank, Clydesdale Bank, Alliance & Leicester, Bradford & Bingley, Abbey National, Nationwide Building Society to

So you think you know all about analytics? Patting yourself on the back about your latest cross-channel attribution modeling and the terabytes of data you’ve successfully corralled into a database? Time for a little perspective — because there’s big data and then there’s BIG data. While brand managers the world

Most marketers instinctively understand the capacity for data to provide insights into customer behaviour and to help gently nudge the buyer toward the right (or at least preferred) outcome. For many omnichannel retailers though the lag between purchase and delivery remains a blot on the customer experience. How much easier

In one sense the skills needed for good data analysis are obvious, says Claudia Perlich, Chief Scientist, Dstillery and a six year veteran of the T.J. Watson IBM research lab. A demanding knowledge of statistics, advanced modeling techniques, coding  and experience with data. But she tells Which-50,  a great analyst needs

The four biggest ways the global economy is being transformed, the primacy of talent and technology, and the impact of emotion on customer loyalty exercised the minds of the research class around the world in the last week, according to the latest KINSHIP digital/Which-50 Chatter Report. Accenture, Forrester, Gartner and

Peer-to-peer (P2P) lending is a fast-developing market for individuals and small businesses looking to lend or borrow money. It has the potential to challenge the dominance of traditional financial institutions like banks, but involves new risks for both lenders and borrowers. In its simplest form, P2P uses a web platform

There was a time, not so very long ago, where banks were about people. Personal relationships were quite important. People in banks had authority and the means to do (or not do) things. That time has clearly passed. About 20 years ago a friend who had a senior role in

  Online shopping in the world’s largest consumer market continues to demonstrate robust growth. Since 2005 the total value of online sales during the holiday season in the US has increased from $19.6 billion to $53.3 billion with only one down year in 2008 – at the height of the

While much emphasis has been given to the great tectonic shifts in business around the world in recent years powered by digital, within companies there has been another change, and it is having a massive impact when executed well according to Google chairman Eric Schmidt. In a new Share Share

It is tempting to imagine that smartphone apps are reaching a point of consumer saturation, but in fact the evidence is very much to the contrary. Research by app analytics outfit Localytics suggests app usage is up over 20 per cent on last year, and much higher in some categories.