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

MARCH 26, 2015

Use risk data as an avenue for innovation. CROs are deeply familiar with the troves of risk data, such as payment habits and internal credit scores, that their companies keep. News travels fast in the age of digital, which raises the stakes not just for blunders but for everyday business activities.

Credit Scoring 8

Credit Scoring Risk Management Finance Marketing 8