Talks

One Hundred Ways of Creating Product Exclusivity in Online Retail – Research & Review

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But there’s a case for targeting rural households—many of them receive domestic and international remittances, says Dennis Valdes, president of Cebuana Lhuillier Rural Bank (CLRB), the rural banking unit of pawnshop giant Cebuana Lhuillier. That’s money that could go into deposits if banks could extend their reach. In 2019, Philippine overseas remittance inflows alone amounted … Read more

The Danger of Trying to Specialize for an Ever-changing Colossal

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Building a platform from scratch allows tonik and digital banks to focus on intuitive design and user experience, says Filbert Tsai, chief strategist at startup consulting firm UpSmart, and former consulting manager at professional services firm Ernst & Young. Whereas a traditional bank that’s merely launching an online component is often burdened by a clunky … Read more