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Financial Management

Are Mortgages The On-Ramp For Lifelong Financial Management?

Building a better mortgage loan for consumers isn’t just about making it faster, cheaper and easier to access. That may have been the market push for the last few years, LoanSnap CEO and Co-founder Karl Jacob tells Karen Webster, but his firm believes the real innovation the mortgage market needs is to use the decades-long loan term as the basis for a lifelong financial coaching relationship with customers. Here’s why.

Voice Biometrics

Why Voice Authentication’s Doing Prison Time

New retail and payments tech can come from unlikely places. The latest unlikely place would be prisons — both in the U.S. and China. There’s now an effort to develop better voice authentication systems behind bars (in part, to fight fraud) and there’s a good chance the lessons learned will spill over to the outside (aka mainstream consumer life).

Gig Economy

Amid Job Numbers Blowout, Gig Economy Thrives

On Friday (Feb. 1), the government reported job numbers that blew away expectations. Data from the BLS and ADP, triangulated against the PYMNTS Gig Economy Index, shows that as full-time jobs are gaining ground, so is the gig economy — and across several of the same sectors. We break down the numbers.

Payday Loans, Pawnshops And Borrowed Credit Cards: How Many Americans Got By In 2018

While the American economy looked strong in 2018, cash was tight for a large number of people. In Q3, about 41 percent of consumers were behind on bill payments — way up from 31 percent in Q2. Thirty-six percent were so deep in debt, they were contacted by collectors. The Q3 2018 PYMNTS Financial Invisibles Report examines why consumers fell into delinquency, despite a strong economy.

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