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Ryan Swann, Vanguard's Chief Data and Analytics Officer, champions the centralization of data analytics for business efficiency while highlighting the importance of diverse talent in innovation.
He envisions a convergence of offensive and defensive data strategies to enhance capabilities and reduce costs at Vanguard.
With the conclusion of the year on the horizon, we reflect on the key trends that have left an impact on the payments landscape throughout 2023.
Tearsheet engaged with a broad spectrum of experts in the payments industry, who shared their insights on the overarching themes that have defined this year.
As of 2021, around 6 million Americans were unbanked and this problem disproportionately affects Black and Hispanic households, of which 10% have no checking or savings account.
Government-to-Person (G2P) payments may be a way to bring unbanked communities into the fold in a way that counters lack of trust and incentivizes participation.
