The Horizons Tracker

NOVEMBER 26, 2023

Equipped with business profiles that exceeded the criteria for loan qualification, the Black testers were furnished with even stronger profiles (including higher business income, longer operational history, greater funds in their accounts, and superior credit scores).

Entrepreneur 120

Entrepreneur Finance Banking Credit Scoring 120

Strategy Driven

SEPTEMBER 5, 2019

Amongst the world’s ambitious graduates are some of the next generation’s entrepreneurs and innovators. A business plan sets out the financial and operational objectives. It helps to achieve a stronger business credit score. • Many graduates are both innovative and more financially-savvy than they get credit for.

Entrepreneur 12

Entrepreneur Venture Capitalist Banking Credit Scoring 12

Harvard Business Review

APRIL 26, 2017

Approval times are cut to days or, in some cases, a few minutes, fueled by data-driven algorithms that quickly pre-qualify borrowers based on a handful of data points such as personal credit scores, Demand Deposit Account (DDA) data, tax returns, and three months of bank statements.

Banking 12

Banking Stage-Gate Credit Scoring Competitive Advantage 12

Harvard Business Review

AUGUST 11, 2014

Small businesses are also instrumental to our innovation economy; small firms produce 13 times more patents per employee than larger firms and employ more than 40% of high technology workers in America. Since 1995, small employers have created about two out of every three net new jobs65%of total net job creation.

Technology 9

Technology Banking Class Real Estate 9

Harvard Business Review

MAY 17, 2017

Even better, blockchains can spur local high-tech innovation. The Dubai Blockchain Strategy (disclosure: Vinay is the designer) envisions moving all government documents — more than 100 million documents per year — onto a blockchain by 2020, creating a new platform for innovation and huge cost savings.

Marketing 8

Marketing Technology Banking Efficiency 8

Harvard Business Review

NOVEMBER 6, 2018

The data will establish a social credit system expected to be both mandatory by 2020. Relative to its Chinese counterparts, India’s authorities have been focused on the fundamentals — on low-cost access to digital tools and on creating an open and inter-operable infrastructure.

Airlines 10

Airlines Technology Objective Policies 10