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Upside: Profiting From the Profound Demographic Shifts Ahead. By Kenneth Gronback with M.J. Moye. AMACOM. 276 pp.

Handling generational shifts

Book Review: Guide to smarter demographic analysis leaves reader with questions
Bank tech trends can make your head spin. So regularly longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

Preparing for AI and IoT’s coming collision

As artificial intelligence and internet of things near convergence, will be bumpy ride
A new generation will take financial services into the future. In the new blog "Next Voices" a rotating group of bloggers of the younger generation will share what they are learning, thinking about, and doing. Proposals from guest bloggers are also invited. Please email scocheo@sbpub.com

What’s wrong about millennial credit scores

Credit education, critical to financially “growing up,” is ignored. But scoring itself needs fixing
Consumers may feel dogged by credit card debt, but a new study by TransUnion indicates that distressed consumers will pay off another kind of debt ahead of credit cards.

Credit mystery has experts pondering

Why do consumers seem to want to pay off loans with fewest strings?
Location data from smart devices will increasingly enhance the trove of data financial services firms can already tap. The challenge remains not so much netting the data, but making it useful on a timely basis.

Big challenges in big data

Making more of floodtide of data requires both tech and human improvement
Bank tech trends can make your head spin. So regularly longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

Everybody loves mobile but neglects safety

Depressing research proves over and over, folks fail to protect themselves
The Unbanking Of America: How The New Middle Class Survives. By Lisa Servon. Houghton Mifflin Harcourt, 178pp.

Living in Pottersville

Book Review: Industry critique asks good questions, gives simplistic answers
Bank tech trends can make your head spin. So regularly longtime Tech Exchange Editor John Ginovsky does his best to “make sense of it all.”

Customers and banks: Why can’t they all get along?

Perceived customer satisfaction remains mixed, predictable, disappointing, promising
Among the trends detected by TransUnion’s latest credit research are significant changes in mortgage credit.

Access to consumer credit grows amid concerns

Originations and balances are up—but so are delinquencies in certain segments.
Alternative data—nontraditonal measures of creditworthiness—could help "credit invisible" people, but some see dangers in adoption of new measures.

Bureau turns up debate on “alternative data”

CFPB holds hearings, seeks comments on benefits, risks
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