Avatar

About Oscar Gonzalez

This author has not yet filled in any details.
So far Oscar Gonzalez has created 22 blog entries.

Filling the knowledge gap: FinTechs and credit education

By | March 19th, 2019|Credit Education, Fintech|

FinTechs thrive by offering a better alternative to traditional financial institutions. They reduce the friction that consumers often experience in dealing with financial institutions, lower the costs, and engage consumers with a better, more personalized customer experience in digital and mobile channels. Yet they still face the same challenges as any business: a highly focused [...]

2019 Identity Protection Forecast

By | January 7th, 2019|Identity Protection, Loyalty|

Services that protect consumers from identity theft and fraud are expected to skyrocket in 2019, according to a new report by Fact.MR. In 2018, nearly 1,000 data breaches have exposed the personal data of more than 47 million consumers, including 1.7 million records hacked at banking, credit and financial institutions. During 2017, a total of 16.7 million consumers were [...]

What the FICO!?

By | December 11th, 2018|Banking, Credit Cards, Credit Education|

The turn of the new year traditionally means buying a new calendar, starting a new diet and hunting for a new job, but for 2019 there's something else new – a new credit score that can help millions of Americans increase their access to loans, credit cards, and other financial products. Overview It's called, UltraFICO. It's a [...]

Stress, Worry, and Fear Are Influencing 2018 Holiday Shopping Patterns

By | November 16th, 2018|Customer Loyalty|

Aside from baking the perfect, Instagram-worthy pie and keeping their relatives from roasting each other over politics while passing the potatoes, your customers face many more important hurdles, challenges, and frustrations during the holiday season. The list-topper: their finances.

3 tips to help insurance firms accelerate their digital transformation

By | November 1st, 2018|insurance|

The digital transformation hasn’t left a single industry untouched. Like every other major industry in the world, insurance is facing a whole range of new developments and each firm’s future will rest on its ability to adapt and evolve. The main thrust of the changes will be around customer-centricity, but operational efficiency and data analytics [...]

The positive impact that credit education can have on your customers

By | October 29th, 2018|Credit Cards, Credit Education, Customer Loyalty|

When your customers have stable finances and better credit they're not only likely to pay their bills to you on time, they're also likely to qualify and be interested in purchasing additional products and services. And it is credit education tools provided by you that helps them get and stay fiscally fit and turn them [...]

4 ways credit card companies have changed their offerings

By | October 17th, 2018|Credit Cards|

The average American has roughly three credit cards in her wallet, each with an average balance of $6354 ($1841 for retail cards). Total US credit card debt tipped over $1 trillion in 2017 and continues to climb at around 5% a year. In other words, things are going pretty well for credit card companies. Or are they? With thousands [...]

Five questions to ask before innovating

By | October 11th, 2018|innovation|

Every so often a new technology comes along that promises to completely reshape an industry and we’re all told to quickly adapt, adapt, adapt. In the case of digital technology more broadly, adaptation has been ongoing for many years now, yet many industries are still struggling to make sense of it all and truly make [...]

Six vulnerabilities in the credit card industry

By | October 8th, 2018|Credit Cards|

The concept of the credit card was originally envisioned by utopian novelist Edmond Bellamy in 1887 in his utopian novel “Looking Backward.” And ever since the first credit card was introduced almost 70 years ago, people have been absolutely crazy for them. The average American has roughly three of them in her wallet, each with an average [...]

From touchpoints to episodes: A new approach to consumer finance

By | September 18th, 2018|Consumer Finance|

From the beginning of time, this is how consumer finance companies have worked: a company sees a need that’s not being met (or something their competitor has done) and they build a new product or offer a new service around it. Then they have a team manage and market that product. At larger consumer finance [...]

Load More Posts