{Discover Personal Loans] You might have noticed you’re paying more these days for groceries, gas, clothes, and other things. You might also be hearing about interest rates, mortgage rates, and the Federal Reserve. What do these have in common, and what is the impact...
[Discover Personal Loans] You may be hearing a lot about the Federal Reserve these days. Often simply called “the Fed,” the Federal Reserve System is the central bank of the United States. Among other functions, the Fed supervises and regulates financial institutions,...
[Discover Personal Loans] Your credit history is the primary source of information for lenders about your financial past and present. Some people have a long credit history. Others have a short credit history. And some people have no credit history at all. As the name...
[Discover Personal Loans] Your credit score tells lenders about your creditworthiness—or how likely you are to pay your bills on time. That’s why lenders weigh your credit score along with other factors as they decide whether to approve you for a loan or credit card,...
[Discover Personal Loans] Your credit history is one of the most important pieces of information in your financial life. Your credit report is a snapshot of your credit history. Understanding your credit report may help you both protect and improve your financial...
[Bank of the West/BNP Paribas] As the world shifts away from LIBOR, companies of all sizes will feel the impact. Is your business ready? For more than 40 years, the London Interbank Offered Rate (LIBOR) has been the benchmark interest rate for the global financial...
[Discover Global Network] Universities across the globe have confronted the need like never before to enhance their payment and digital capabilities. The world of higher education and its communities, hit by new restrictions over the past year, were suddenly prompted...
[Forbes, for Bank of the West/BNP Paribas] For generations, commercial banking was constricted by legacy systems, segmented databases and the dominance of local branches. No longer. Banking operations are increasingly expected to beseamlessly available at the press of...
[Discover Global Network] Social trends change what we wear—and now increasingly the way we pay. With consumers’ preference for everything contact-free, wearable payment technology is finding new momentum. Driven in part by the impact of the COVID-19 pandemic, the...
[Discover Global Network] While 2020 was a difficult year, foretelling what 2021 will bring might be even tougher. The COVID-19 pandemic affected the entire payments ecosystem—from merchants rushing online to consumers shopping remotely for groceries, clothes and even...
[Discover Global Network] This year’s holiday shopping season is likely to be very similar to the year itself: suddenly and unexpectedly unlike anything that anyone has ever experienced. The rise of the COVID-19 pandemic has led to shops closing, consumers staying...
[Bank of the West/BNP Paribas] As COVID-19 disrupts global business, what can corporate Treasurers learn about business continuity? If the COVID-19 pandemic has taught businesses anything this year, it’s that the need for contingency planning is real. With 42...
[Discover Global Network] Europe has long spearheaded change for much of the payments industry. From instituting tighter interchange rules to accelerating cross-border payments to implementing new customer data protections, regulators in the EU have set the pace for...
[Bank of the West/BNP Paribas] The shift to remote work has forced Treasurers to find new solutions to traditional treasury functions. Managing treasury functions in the best of times requires a smooth integration of planning, tracking, reporting, reconciling, and...
[Discover Global Network] Super apps, which combine payment, social media, merchant, loyalty programs and more under a single umbrella, are booming. Since 2011, when Tencent in China launched what is today known as WeChat, these integrated mobile apps have attracted...
[Bank of the West/BNP Paribas] With a disruption in supply chains and consumer habits changed, what can be learned from recent events? After decades spent refining efficiencies in planning, production, and just-in-time distribution, the Food & Agribusiness sector...
[Discover Global Network] The long-term impact of the coronavirus pandemic has yet to be determined, but the immediate turmoil confronting the merchant community as a whole is already here. With the rapid spread of the virus, giant retailers, including Apple, Nike,...
[Discover Global Networks] The push for customer-centrism was born decades ago when shoppers entered a store and merchants planned their products and services around that personal engagement. Clearly, the shopping experience has evolved since then—and the challenge...
[Forbes, for Bank of the West/BNP Paribas] Technology is changing how the world moves. It’s time to rethink what that means for companies and city centers. The future of mobility is here. From the sidewalks of San Francisco to the streets of Delhi, urban...
[Discover Global Network] The long-term impact of the coronavirus pandemic has yet to be determined, but the immediate turmoil confronting the merchant community as a whole is already here. With the rapid spread of the virus, giant retailers, including Apple,...