Sirwin
Sirwin
Fin Rev

Fin Rev

FinTech, Financial Innovation, Industry Disruption.


Guest Opinion: Innovation Davids vs. Scale Seeking Goliaths in Payments

20 May 2020 3 minute read 0 comments FinRev

Malcolm Gladwell turned the biblical story of David and Goliath on its head by noting that the giant was actually much weaker than his opponent. So why, as Gladwell asks, do we continue to tell the story the way we do? Maybe it’s because we’re built...

Guest Opinion: Our Dangerous Innovation Blind Spots

18 May 2020 4 minute read 0 comments FinRev

“Our investing culture blind spots are causing us to ignore places, people, and ideas in a way that stifles innovation and makes it difficult for most entrepreneurs to realize the American dream.”  – Ross Baird, Founder and CEO of Village Capital Jus...

Guest Opinion: Data is Holding Back AI

17 May 2020 4 minute read 1 comment FinRev

I remember grumbling, “Good lord this is a waste of time,” in 1992 while I was working on an AI application for lip-reading. The grumble escaped my lips because I felt like I was spending half my time inputting data cleanly into the video processing...

Guest Opinion: Sales Practices Under the Microscope

16 May 2020 4 minute read 0 comments FinRev

The use of sales incentives to influence the behavior of salespeople and how they sell to customers has a long history in the United States. For this, we have the National Cash Register (NCR) Company to thank, as it widely popularized the use of shor...

Guest Opinion: The Reemergence of De Novo Bank Charters

14 May 2020 5 minute read 0 comments FinRev

The ability to charter a de novo bank, once a reasonably achievable task, has, over the past decade, become an almost impossible feat. Part of the reason de novo bank creation has stalled is the regulatory reaction to the 2007-09 financial cr...

Guest Opinion: Recent Hacks Could Accelerate Risk Management Innovation

14 May 2020 3 minute read 0 comments FinRev

The severity of the recent data breaches at Equifax — in which personally identifiable information on over 143 million US consumers was stolen by unknown hackers — and the US Securities and Exchange Commission — whose Edgar database processes over 1....

Guest Opinions: The AI-Driven Bank in Emerging Markets

13 May 2020 2 minute read 0 comments FinRev

If you think artificial intelligence is a thing of the future, ask yourself why your Amazon homepage looks different from ours or how Google translates websites on the fly. Consumers in developed and developing countries are benefiting today from the...

Guest Opinion: Know Your Customer? Are You Sure?

12 May 2020 3 minute read 0 comments FinRev

I love movies about great mathematicians, real or fictional. The Imitation Game and Good Will Hunting are great ones, but A Beautiful Mind is my favorite. This movie profiles John Nash, who became a pioneer in game theory and won a Nobel Prize along...

Guest Opinion: Why Robo-Analysts, Not Robo-Advisors, Will Transform Investing

11 May 2020 4 minute read 0 comments FinRev

Robo-advisors and robo-analysts are both important to enabling wealth management firms to cut costs without sacrificing quality of advice, but the importance of a robo-analyst to enhance the quality of investment advice shouldn’t be underestimated. T...

Guest Opinion: The Coming Resurgence of Active Management

9 May 2020 3 minute read 1 comment FinRev

Active management has long been the foundation of a well-functioning stock market.  Many of the brightest minds on Wall Street have dedicated their careers to separating the good ideas from the bad, doing deep research to allocate capital to the righ...