No, the Pandemic Isn’t Accelerating Digital Transformation

Microsoft’s Satya Nadella pronounced that, amid the pandemic, they’ve “seen two years’ worth of digital transformation in two months.” Nadella’s words quickly became a catchphrase, which appears ad nauseam, though in different forms, in articles and thought-pieces that seem to come out on an hourly basis. For example, Forbes said that “because of COVID-19, manufacturing... Continue Reading →

Canada’s Financial Inclusion Opportunity

For the one million unbanked Canadians, and the many more who are underbanked, the COVID-19 crisis is compounding financial hardships to dangerous levels. Those Canadians are the ones who have been marginalized by financial institutions and the fintech ecosystem. In an article that I wrote last year, I showed that less than 2% of fintechs and pretty much... Continue Reading →

It’s Time for Collaborative Finance

Saving Circles can smooth unsteady incomes hit by COVID-19. COVID-19 government relief packages aim to lessen the burden on the many who will lose their jobs or suffer income reductions. Will these measures be enough given the protracted situation? For many, probably not. People can adopt an age-old communal money-saving practice to help smooth their... Continue Reading →

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