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Insights From Guy Fraker

The Exponential Innovation Process

Guy Fraker

Innovator's Edge Podcasts

Thought Leadership

From Vision to Product (Part 1)

Patrick Tsao Fri, 24 May 2019

“Define the vision, own the strategy, ship great products” — these are perhaps some of the most commonly uttered phrases in any product management (PM) job description. Whi...

The Risk in A.M. Best’s Innovation Scoring

Mark Webb Fri, 24 May 2019

On March 14, insurance credit rating agency A.M. Best released its Scoring and Assessing Innovation (Draft). Per its press release, “AM Best defines innovation as a multist...

How Incumbents Can Smother Startups

Amy Radin Wed, 22 May 2019

One of the most fun and inspiring endeavors I’ve undertaken in my post-corporate life has been to advise select early-stage companies, portfolio managers and accelerators. ...

Marrying Incumbents and Startups (Part 1)

Marina Cvetkovic Wed, 22 May 2019

This article is based on a keynote speech, “Disruptive Leadership,” at the World Forum Disrupt, Strategy & Innovation Conference in New York City. The pace of change we are...

The Problem With Insurtech Conferences

Bill Wilson Tue, 21 May 2019

I received this email last month: I attended another conference yesterday…. Lots of talk about tech and customer experience. No talk about coverage and language and why it ...

Accelerating the Transformation

Deb Smallwood Mon, 20 May 2019

The transformation journey requires a new lens. This lens provides a clear future-state vision that anchors both the outside-in lens (prioritizing customers and their exper...

Maybe Even Diabetes Can Be Insured

Andrea Silvello Thu, 16 May 2019

The World Health Organization has published a five-year strategic plan focused on 10 major threats to global health in 2019, among which there are noncommunicable diseases,...

Overcoming Concerns

Millennials Wed, 15 May 2019

According to a recent article by Policy Genius, “The cost of college has skyrocketed over the last decade, resulting in $1.4 trillion of outstanding student loan debt. The ...

Turning Data Into Action

Denise Olivares Wed, 15 May 2019

Over the past decade, insurers have focused heavily on improving the customer’s journey. This task can be particularly challenging because a customer’s engagement with them...

How to Avoid Snarl of N. Korea Sanctions

Omer Eilat Tue, 14 May 2019

The timing was excellent – or unfortunate – depending on your perspective. Just a week before South Korean President, Moon Jae-in, jets to Washington to talk DPRK denuclear...

Insurtech's Voice

50 Shades of White-label Payment Gateway

May 23, 2019, 4:22 p.m.

Want to provide gateway services under your own brand? Find out why white-label payment gateway would be he most suitable for your particular busin...

The Evolution of Merchant Services: ISO vs PayFac

May 15, 2019, 1:51 p.m.

Are you an ISO? Find out what options you have available for becoming a Payment Facilitator and providing merchant services.

How to Create a Cryptocurrency: Everything You Need to Know

May 9, 2019, 8:30 p.m.

With the development of blockchain technology, more and more people are interested in how to create a cryptocurrency. Actually, there are some ways...

How Bear Market is Similar to Becoming a PayFac

April 19, 2019, 6:38 p.m.

Want to become a #PayFac or a #paymentgateway #provider? Find out ground rules to survive in bear market and avoid unnecessary losses of time and m...

Safety Labs & Alive Sciences Partner to Bring Early Warning Index to Care At Home & Senior Living

April 16, 2019, 2:15 p.m.

Early warning technology reduces readmissions and morbidity bringing new level of efficiency to remote care - /

Enterprise Payment Technology for an Investment Company

April 3, 2019, 11:04 a.m.

Looking to optimize payment processing for your portfolio companies? Find out why solid enterprise payment technology is an essential component for...

Enterprise Payment Technology for Venture Capital and Private Equity Companies

March 20, 2019, 8:22 p.m.

Press Release: United Thinkers has launched an enterprise payment technology designed explicitly for venture capital and private equity companies.

Dentist in SanJose | Dental Clinic in SanJose - Mai Dentist

March 18, 2019, 2:15 p.m.

At Mai Dental Specialists,we are the high quality dentist in san jose and we are committed to provide all your dental clinic needs like emergency ...

How to Remove iCloud Account without iPhone Password?

March 15, 2019, 8:07 a.m.

It is possible to delete iCloud Account Activation Lock without password from iPhone by deactivating Find my iPhone. If you are one of the users wh...

“The Better Foot Before”: a Key to Legacy System Replacement

March 14, 2019, 6:05 p.m.

Tired of a #paymentsolution that doesn't really fit? Find out how to replace a #legacysystem with a new one smoothly.

3 Benefits of Becoming a PayFac for Franchisors

March 5, 2019, 6:58 p.m.

Are you a franchisor selling #merchantservices? Becoming a #PayFac could be a good option to streamline your payment business. Discover the key ben...

How can app-based delivery services be more profitable?

March 5, 2019, 10:14 a.m.

The Business Opportunity of the 21st century The millennial generation is becoming extremely mechanical with hectic lives and overloaded schedule ...

Best Social Networks To Promote Your Business

Feb. 23, 2019, 12:39 p.m.

All you need is a bit of effort and negligible expenses (or absolutely no expenses) to pluck the fruits and bring them to your benefits. In more...

Becoming a PayFac is Easier for SaaS Platforms

Feb. 21, 2019, 2:45 p.m.

Want to provide PayFac-specific features but don't know where to start? Find out how becoming a PayFac could be an easy task for SaaS platforms.

3 Reasons Why Solid Payment Gateway Technology is Essential for Venture Capital and Private Equity Companies

Feb. 14, 2019, 11:34 a.m.

Want to optimize payment processing for portfolio companies? Find out why solid payment technology is necessary for private equity and venture capi...

How Can Route Optimization Software Helps To Optimize Personal Delivery Routes?

Feb. 8, 2019, 1:42 p.m.

Thanks to technology, route optimization has taken the digital route in the modern world. One of the primary factors that enable global businesses ...

White-label PayFac: “Try it Before Buy it”

Feb. 6, 2019, 3:47 p.m.

Want to become a payment facilitator? Find out the benefits of a white-label PayFac option as the first step on the way to full-fledged payment fac...

Your Own Payment Gateway: Is it the Right Thing for You?

Jan. 28, 2019, 12:30 p.m.

Looking for the ways to launch your own payment gateway that would suit your business? Find out when owning a payment gateway makes sense.

5 Things You Should Know about PCI Compliance | UniPay Gateway

Jan. 22, 2019, 11:57 a.m.

Want to accept credit card payments securely? Find out the most important things you should know about PCI compliance.

Does your processor support all the technical features you need?

Jan. 16, 2019, 4:48 p.m.

Are you limited in payment methods, integrations, features, and support with your payment processor? Here are the fundamental steps each business s...

Does your processor support target currencies and geographies?

Jan. 11, 2019, 2:06 p.m.

Learn more about the problem of multi-currency transaction processing and ways of its solution.

3 Steps to Lower Your Processing Costs

Jan. 7, 2019, 6:07 p.m.

Paying too many fees for #credit #card #processing? Here's how to calculate #payment #processing costs so you can determine what you really owe to ...

Elixir vs. Ruby and Phoenix vs. Rails: What to Choose and Why

Dec. 29, 2018, 4:54 p.m.

Now a new programming language called Elixir and its the most popular Phoenix framework have been discussed by web developers for a couple of years...

Are you paying too much to your transaction processor?

Dec. 27, 2018, 11:25 a.m.

Are you paying too much to your #transaction #processor? Learn how to reduce #payment #processing #fees and grow your business.

What is the Best Payment Gateway For Payment Facilitators?

Dec. 19, 2018, 8:05 p.m.

Want to make more money on #payment #processing? Find out the key tips to follow if you are a #PayFac and looking for the best #paymentgateway to m...

Before Starting a Payment Facilitation Project

Dec. 13, 2018, 4:11 p.m.

Want to start a payment facilitation project? Find out key aspects that should be clarified with your acquirer/processor to start a PayFac project ...

White Label Payment Gateway White Paper

Dec. 7, 2018, 3:07 p.m.

Learn how to launch a white label #payment #gateway and how to roll it out without hassles and surcharges.

Best Talent Retention Strategies for Today's Workplace

Dec. 6, 2018, 3:16 a.m.

You worked hard (and spent a lot of money on) bringing the best people on your team. Here’s how to keep them for the long haul. Great tips from ...

4 Crucial Talent Retention Strategies for Designing Your Benefits Package

Dec. 6, 2018, 3:14 a.m.

This article gave insight on the variety of tactics that you can utilize to attract the top talent during your open enrollment process and how to i...

"Disruptive Model" by South Florida Business & Wealth

Dec. 6, 2018, 3:12 a.m.

Publications Edit publication Best Talent Retention Strategies for Today's Workplace publication titleBest Talent Retention Strategies for ...

Become a Payment Facilitator - White Paper

Dec. 5, 2018, 11:01 p.m.

Curious how to build a #PayFac platform fast and seamlessly? Our tips will help.

Own a Payment Gateway

Dec. 4, 2018, 2:24 p.m.

Launch your own payment gateway to create a positive payment processing experience for your customers.

How to Hire Remote Magento Developer for Your Next E-commerce Store?

Dec. 4, 2018, noon

Marketing products online seem like a huge task. It often feels never-ending and never halting. In the myriad of options to delve into, it becomes ...

How Upgrading to Magento 2 Can be Helpful?

Dec. 4, 2018, 11:59 a.m.

Magento 2 is quite stable as compared to its older version. It is re-formatted, great performing and user-friendly platform. The new version is qui...

Magento 2.3 Brings in Amazing New Features to Explore

Dec. 4, 2018, 11:57 a.m.

The new version of Magento that is Magento 2.3 comes with amazing new features to unleash. You will be able to experience new functionality plus mo...

How to Start a Payment Gateway

Nov. 23, 2018, 6:20 p.m.

An article describing the key misconceptions related to starting a payment gateway of your own, and explaining the order of steps to be taken.

“Fundamentals of Payment Processing”: Free Guide

Nov. 16, 2018, 11:17 a.m.

Press Release: United Thinkers releases a guide on fundamentals of payment processing for all categories of merchant services industry players

Elixir Programming: Facts to Know for Better App Development

Nov. 14, 2018, 2:29 p.m.

There many well-known web development languages as Python, PHP, and Ruby that have been successfully used by developers for a long time. There has ...


Nov. 14, 2018, 10:17 a.m.

In the age of technology, start-ups are emerging in great numbers, making smartphone technology an essential requirement of vibrant human lifestyle...

Swift vs Objective-C. Which iOS Language To Choose

Nov. 12, 2018, 3:47 p.m.

As the iOS platform is gaining popularity and Apple users have high payment ability, businesses concentrate on strategic efforts to give the best q...

White label Payment Facilitator Model

Nov. 8, 2018, 7:18 p.m.

Are you on the way to become a PayFac? Find out how white label payment facilitator model can give you all the features of PayFac without investing...

How Much Does It Cost to Build an E-Commerce Website?

Nov. 6, 2018, 4:17 p.m.

Nowadays the cost of the building an e-commerce website will range from $35,000 to $1,000,000 and even more. The price will depend on the customer’...

How to Make Your App Successful

Oct. 26, 2018, 10:21 a.m.

If you want to launch a great app startup, you need to follow a systematic pattern. You will learn how to make a successful app business, despite l...

Fundamentals of Payment Processing

Oct. 25, 2018, 4:16 p.m.

Want to launch any type of business related to providing payment processing services successfully? Learn the foundations of merchants, ISOs, paymen...

The Future of the Blockchain Technology

Oct. 23, 2018, 8:14 a.m.

As you may have already noticed, Blockchain technology is the center of attention in current news headlines. The technology has been deemed “disrup...

How Traveling Abroad Can Build a Stronger Entrepreneur

Oct. 18, 2018, 5:30 p.m.

As I continue my second startup, I am becoming increasingly aware of how the experiences I find myself leaning on the most have been gained over th...

Why a Company Pledge Feels More Authentic than Company Values for My Startup

Oct. 18, 2018, 5:29 p.m.

Aspirational company values are commonplace at startups. Here's why I wasn't able to write them for my own company and what we're doing instead.

Your Own Payment Gateway Similar to Stripe or Square

Oct. 18, 2018, 4:48 p.m.

Looking to create your own #paymentgateway similar to #Stripe or #Square? Learn how you can benefit from the #whitelabel solution and get your own ...

The Value of Proper Documentation

Oct. 9, 2018, 6:24 p.m.

White paper by P&C attorney Matt Ponzi, partner at Foran Glennon on the need for proper documentation of property claims and the effect on litigation.

Future of E-Commerce

Oct. 7, 2018, 12:31 p.m.

Currently, it is a must-have to be active on social media and to operate in the e-commerce sector. E-commerce is a process where parties buy & s...
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