Unlocking the data treasure chest hidden in your inbox

Por Irani Arraiz

I am fascinated by debt: the advance of cash today against the mere promise of payment in the future.  A promise that depends crucially on trust and knowing who the borrower is. For that, financial institutions rely mainly on credit bureaus. But not every country has a perfectly functioning credit bureau, in which case access to credit suffers.

Financial institutions provide customer service fueled by artificial intelligence

Por Irani Arraiz

Businesses have been using online customer service for a while.  It is a popular channel because is fast and easy to use―it requires minimal effort from the customer, which increases the likelihood of completing the task that they are up to complete. 

Artificial Intelligence to stop online fraud

Por Irani Arraiz

I wrote some days ago about one of the selected FinTechs that will integrate to Finconecta―a 10-month pilot program in partnership with a&b, that FOMIN/IDB is partially financing. I wrote about the US$21.84 billion losses (in 2015) due to credit and debit card fraud worldwide. But this figure is just the tip of the iceberg.  

Financial transactions at your fingertips

Por Irani Arraiz

I recently heard a podcast (HBR IdeaCast) where Jerry Seinfeld shared his insights into innovation. One of his comments stuck with me: “it’s very important to know what you don’t like. It’s good to have an idea, but a big part, I find, of a lot of innovation starts with someone saying: ‘you know what I am really sick of?’ That’s where innovation begins.”

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