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Category: Thoughts & Ramblings

jim

Should the U.S. Postal Service Offer Basic Banking Services?

In Banking, Thoughts & RamblingsTags financial inclusionPublish DateMay 24, 2021

May 24, 2021 Could it provide affordable financial services for underserved families, and, at the same time, shore up its own financial footing? Bank branch closures are an ongoing phenomenon hitting rural and socioeconomically challenged communities particularly hard. So why not provide low-cost financial services to those communities via the post office? It’s a widely trusted organization with more than 30,000 retail locations. Many are in banking deserts. It’s not a new idea. From 1911 to 1967, the Postal Service …

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jim

The New Financial Health

In Banking, Thoughts & RamblingsTags financial healthPublish DateOctober 1, 2019

Ideas of financial health have long been rooted in the concept of “financial literacy,” and dominated by educational approaches designed to teach people how to better manage their financial lives. While financial literacy is important, and …

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jim

A Hub of FinTech Innovation

In FinTech, Thoughts & RamblingsTags BostonPublish DateSeptember 25, 2018

The second annual edition of Boston FinTech Week, organized by FinTech Sandbox, has just successfully concluded. There were 47 separate sessions held in 22 venues across five days. More than 3,000 people registered. They came from …

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jim

Effective Uses of Public Relations for Startups

In Marketing, Thoughts & RamblingsTags CircleLending, PRPublish DateMarch 4, 2016

Periodically, I hear a presentation or read a blog post on the topic of public relations for startups. I often feel the advice given is incomplete, or misguided, or one-size-fits-all, or simply wrong. So here is …

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jim

What I Saw At Finovate

In FinTech, Startups, Thoughts & RamblingsTags Finovate, PrivatBank, toplessPublish DateMay 6, 2014

I’ve just returned from the Finovate spring session in northern California. What did I see? Quite a few single occupant automobiles in the HOV lane on Highway 101. Finovate, for the uninitiated, is a grueling two-day …

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jim

Noncompete Agreements Simply Slow the Slide of Corporate Dinosaurs Into the Tar Pits

In Thoughts & RamblingsTags Acentas, Massachusetts, noncompete agreementsPublish DateApril 11, 2014

Earlier this week, Governor Deval Patrick indicated that he will move to ban enforcement of noncompete agreements in Massachusetts.  This is one part of a larger piece of legislation designed to promote innovation – job creation …

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jim

Your Own Cooking Isn’t All You Want To Eat

In Thoughts & RamblingsTags Lending Club, P2P Lending, Prosper, Wells FargoPublish DateJanuary 23, 2014

In 1998, at a technology conference in New York, John (Launny) Steffens, vice chairman of what was then Merrill Lynch & Company, told his audience, ”The do-it-yourself model of investing, centered on Internet trading, should be …

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jim

Aim Higher

In Thoughts & RamblingsTags Do the right thingPublish DateAugust 4, 2013

Seeing an iPhone for the first time, Bill Gates is reported to have said, “Oh my God, Microsoft didn’t aim high enough.”* Anyone who has used a Zune, or who, like me, has owned computers running …

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Quotable Quotes
“Whenever the old gives way to the new, everybody with vested interests in the old starts crying that the world will stop. There aren’t many people with vested interests in the new.”
— WALTER WRISTON

“The reasonable man adapts himself to the world; the unreasonable one persists in trying to adapt the world to himself. Therefore all progress depends on the unreasonable man.”
— GEORGE BERNARD SHAW

“All you need in this life is ignorance and confidence, and then success is sure.”
— MARK TWAIN

Bookmarks
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Observations from the Fintech Snark Tank
Revolutions Podcast
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