New report: 今年由美国电影学会的电影评审总监是Tom Pollock，担任电视剧评审总监的是Richard Frank。评审团的其他成员还包括Judd Apatow, Halle Berry, Jamie Lee Curtis, Leonard Maltin,来自知名大学的著作家，学者，公认的电影艺术家，还有像媒体NPR,Rolling Stone, TV Guide, 华盛顿邮报对于电视电影的评论家们。
For decades, banks and insurers have employed the same relatively static, highly profitable business models. But today they find themselves confronted on all sides by innovators seeking to disrupt their businesses. Crowdfunding, peer-to-peer lenders, mobile payments, bitcoin, robo-advisers – there seems to be no end to the diversity, or to the sky-high valuations, of these “fintech” innovators.
Two arrested in connection to shooting of Lecent Ross
Russian President Vladimir Putin says he wants to develop better ties with the United States no matter who wins next year's U.S. presidential election.
Only Kobe Bryant had played in more games by age 32, and did so with fewer minutes, and that's just including regular-season games.
Despite being the most heavily nominated stars of the evening, Taylor - who did not attend the event - was overshadowed by 19-year-old singer Shawn who cleaned up at the awards show.
A new World Economic Forum report takes a look into what the future holds for the industry. It draws on over 100 interviews with industry experts and a series of workshops that put strategy officers from global financial institutions in the same room as high-flying fintech innovators to discuss the issue. Their findings suggest this round of innovation just might make the big names in financial services rethink their business models in some very fundamental ways.
Here are five characteristics of today’s innovators to suggest this time might really be different when it comes to disruptive innovation in financial services:
1. They’re deploying highly focused products and services
Past innovators often tried to replicate the whole bank, resulting in business models that either appealed only to the most tech-savvy or price-conscious customers. Today’s innovators are aggressively targeting the intersection between areas of high frustration for customers and high profitability for incumbents, allowing them to “skim the cream” by chipping away at incumbents’ most valuable products. It is hard to think of a better example of this than remittance – banks have traditionally charged very high fees for cross-border money transfers and offered a poor customer experience, with transfers often taking up to three days to arrive at their destination. UK-based company Transferwise is challenging this process using an innovative network of bank accounts and a user-friendly web interface to make international transfers faster, easier and much cheaper. Thanks to this business model, the company now oversees over £500 million of transfers a month and has recently expanded into the US.
2. They are automating and commoditizing high-margin processes
Innovators are also using their technical skills to automate manual processes that are currently very resource intensive for established players. This allows them to offer services to whole new groups of customers that were once reserved for the elite. “Robo-advisers” like Wealthfront, FutureAdvisor and Nutmeg have automated a full suite of wealth management services including asset allocation, investment advice and even complicated tax minimization strategies, all offered to customers via an online portal. While customers must forego the in-person attention of a dedicated adviser, they receive many of the services they would offer at a fraction of the cost and without needing to have the $100,000 in investible assets typically required. As a result, a whole new class of younger, less wealthy individuals are receiving advice and support in their efforts to save, and it remains unclear if they will ever have the desire to switch to a traditional wealth adviser, even as their savings grow to the point where they become eligible for one.
3. They are using data strategically
Customer data has always been a central decision-making factor for financial institutions – bankers make lending decisions based on your credit score while insurers might look at your driving record or require a health check before issuing a policy. But as people and their devices become more interconnected, new streams of granular, real-time data are emerging, and with them innovators who use that data to support financial decision-making. FriendlyScore, for example, conducts in-depth analyses of people’s social networking patterns to provide an additional layer of data for lenders trying to analyse the credit-worthiness of a borrower. Does your small business get lots of customer likes and respond promptly to complaints? If so, you might be a good risk. Are all of your social connections drinking buddies “checking in” at the same bar? Well that might count against your borrowing prospects.
Meanwhile, a new breed of insurance company is identifying ways to generate streams of data that help them make better pricing decisions and encourage their policy-holders to make smart decisions. Oscar, a US-based health insurer provides its clients with a wearable fitness tracker free of charge. This lets Oscar see which policy-holders prefer the couch to the gym and enables them to provide monetary incentives (like premium rebates) to encourage customers to hit the treadmill. As the sophistication of these analytic models and wearable devices improves, we will likely see more and more financial services companies working to nudge their customers towards better behaviour and more prudent risk management.
4. They are platform based and capital light
Companies like Uber and Airbnb have shown that marketplace companies, which connect buyers and sellers, are able to grow revenues exponentially while keeping costs more or less flat. This strategy has not gone unnoticed by innovators in financial services. Lending Club and Prosper, the two leading US marketplace lenders, saw their total originations of consumer credit in the US保姆纵火案林生斌与绿城调解撤诉 保姆已被执行死刑. Lending Club alone 南沙湾地区：规划成粤港澳大湾区海上门户. While this is only a fraction of total US consumer debt,国务院办公厅印发《深化收费公路制度改革取消高速公路省界收费站实施方案》, the growth of these platforms is impressive. Analysts at Foundation Capital predict that6.凡事以人为先, globally, by 2025. Even more impressive, they have done so without putting any of their own capital at risk. Instead, they have provided a place where borrowers looking to get a better rate can meet with lenders (both individuals and a range of institutions such as hedge funds) who are eager to invest their money.
Farewell to Don and his perfect suits, to Peggy and her plaids, to Joan and her jewel tones and sheaths.
“We have resolved this matter and will move forward to build on the important actions Honda has already taken to address our past shortcomings in early warning reporting,” said RickSchostek, Honda executive vice president, in a statement. “We continue to fully cooperate with NHTSA to achieve greater transparency and to further enhance our reporting practices.”
Yet disparities were clear among sectors and companies.
5. They are collaborating with incumbents
This one might seem strange. After all, disruptors are supposed to devour the old economy, not work with it. But this is an oversimplified view. Smart investors have realized that they can employ bifurcated strategies to compete with incumbents in the arenas of their choosing while piggy-backing on their scale and infrastructure where they are unable to compete. For their part, incumbents are realizing that collaborating with new entrants can help them get a new perspective on their industry, better understand their strategic advantages, and even externalize aspects of their research and development. As a result, we’re seeing a growing number of collaborations between innovators and incumbents. ApplePay, the most lauded financial innovation of the past year, doesn’t attempt to disrupt payment networks like Visa and MasterCard, but instead works with them. Meanwhile, regional banks, like Union Bank in California, are forming strategic partnerships with marketplace lenders, providing referrals for customers they are unable to lend to. This helps them meet their customers’ needs while avoiding the risk that they will leave for another full-service financial institution.
On January the U.S. government levied a $70 million fine on Honda for failing to disclose, as required, more than 1,700 deaths and injuries in its vehicles to the National Highway Traffic Administration (NHTSA).
为Kinect开发《迪斯尼乐园大冒险》（Disneyland Adventures）和《精英：危险》（Elite: Dangerous）的开发商在ScreamRide中，将主题乐园经营发挥到了极致。玩家可以在游戏中建立夸张的过山车、云霄飞车和其他游乐设施，并进行试运营。游戏有三种玩法：工程师可以建设复杂的飞车，测试物理和重力极限；“尖叫骑手”则乘坐这些飞车，直接体验这种惊险与刺激——这有时会直接导致游戏人物死亡；而拆除专家可以用任何必要手段拆掉整个游乐园。随着《过山车大亨》（Roller Coaster Tycoon）等电脑游戏移植到了智能手机上，这一款次世代的过山车游戏可以让玩家有着时尚的互动体验。建设、体验和拆除过山车总是很有趣的，而ScreamRide则提供了多种方式，让你与朋友们共享这种兴奋之情。
The Big Tech backlash will spread to technology industry employees in 2018, as many question whether the work they do really is saving the world.
The Future of Financial Services report is available here.
n. 改善(正), 修正案，某物质能改善土壤有助生长
美国国家海洋与大气管理局(National Oceanic and Atmospheric Administration)国家环境信息中心负责人托马斯愠尔(Thomas Karl)表示：“我们还是第一次看到这种情况。”