In 2011, Scott Brinker, then a marketing technology consultant and founder of what would become chiefmartec.com, published the first edition of what...
Somewhere between 2011 and today, marketing technology stopped being a category and became an ecosystem. When Scott Brinker, VP of Platform Ecosystem...
There is a particular kind of confidence embedded in a long-range market forecast. When analysts at Grand View Research project that the...
Marketing technology is one of those industries where the numbers seem to keep outpacing expectations. Each year, analysts revise their forecasts upward....
Every time a brand sends a targeted email, personalises a website landing page, or traces a customer’s path from the first social...
Every time someone picks up a phone, opens a browser, or turns on a connected television, advertising technology is working quietly in...
Predictive modelling for finance has changed character meaningfully over the past five years. The methods used to be statistical: logistic regression, gradient...
Fairness metrics in machine learning have moved from research papers into supervisory expectations in U.S. finance over the past two years. The...
Deep learning in U.S. finance has had a longer and more uneven journey than the headlines suggest. The technique has been deployed...
Every prediction that card networks would be displaced by faster, cheaper alternatives in U.S. retail payments has, so far, been wrong. The...
An MLOps engineer at a top-10 US bank used to measure success by whether a new credit-risk model made it into staging....
The phrase “the US fintech market” hides four very different businesses inside it, and treating them as one industry is the fastest...
The US fintech product mix in 2025 looks fundamentally different from the one operators were pitching to investors in 2020. The shift...
The traditional financial services value chain (origination, underwriting, servicing, settlement, custody) was designed in an era when one institution did all of...
Sentiment analysis for U.S. financial markets is one of those techniques that has been claimed as a competitive edge for so long...
Most U.S. headlines about central bank digital currencies in 2024 and 2025 missed the same point. The retail digital dollar is not...
The phrase “cross-border payments” hides a striking range of actual experiences. A multinational paying its Singapore subsidiary still moves money over correspondent...
Walk into a primary dealer in New York in early 2026 and one of the screens on the trading floor is showing...
A loan officer in 2015 could tell you why a mortgage was declined by pointing at a FICO score and a debt-to-income...