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The small busine stanley cup usa ss credit gap is a global issue, a problem that banks and FinTechs continue to hack away at, yet one that remains stubbornly persistent.In markets like Southeast Asia, high rates of credit-invisible, underbanked small businesses make filling the small business credit gap an even more difficult challenge.At the root of the matter is often a lack of predictive data to ascertain the creditworthiness of these small- to medium-sized businesses SMBs . Traditional banks will require credit histories and collateral to underwrite a small business loan, both of which many SMBs in Southeast Asian nations lack. Its a self-perpetuating scenario that keeps barriers to capital in place.In a recent conversation with PYMNTS, Raghav Mathur, head of data science and analytics at Singapore-based Grab Financial Group, discussed the opportunities in data technology that can address the regions mos stanley borraccia t pressing SMB lending needs.Asymmetric Information ExchangeIn Southeast Asian markets, banks lack of adequate data on SMB loan applicants is perhaps the tallest barrier to connecting SMBs to capital in the region. This asymmetrical information exchange, in which the SMB may h stanley cup romania old valuable information that supports its loan applications, yet which is inaccessible or hard to aggregate for the lender, has led to the lack of access to formal finance, according to a 2008 report by the Hachinohe University Research Institute and the Daiwa Institute of Research. The report added that fo Afoc BNPL Firms in Australia Can t Block Merchant Surcharges

Giving good gifts is hard聽work. Its also expensive.According to Deloittes聽2017 holiday spending survey, the average American consumer will spend $1,226聽over聽the holiday shopping season, approximately $430 of which will be spent on around 14 gifts. That is, unless that consumer happens to be聽a member of a聽household bringing in more than $100,000 per year聽鈥?in which case,聽all of those figures roughly double.While the predictions vary some 鈥?NerdWallets annual holiday spending report pegs average gifting for 2017 at $660 per person, on average聽鈥?the takeaway is the same. With th kubki stanley e holiday season comes a massive crush of shoppers on a mission to buy for others, and an overwhelming majority 85 percent of Americans plan to purchase gifts for friends and loved ones between now and the end of 2017.That 85 percent will not only spend a copious amount of treasure聽鈥?around聽$1 trillion,聽in fact. If 2016 is any guide to what 2017s spending looks like, they will also expend a fairly large amount of time聽doing it.Whether theyre shopping online or in-store, shoppers spent about six hours聽on the hunt聽for those speci stanley cup al, personalized gifts. Since聽 stanley cup 85 percent of American adults聽go聽Christmas shopping, that nets out to approximately 1.3 billion hours, according to NerdWallet. That also means Americans literally cram about 150,000 years worth of shopping for other people into the time period between Thanksgiving and聽Christmas.That because, with some quick back-of-the-envelope math, 1.3 bill