| | | Limited-time offer! Final day—ACT NOW | | 7 Exclusive Reports valued at $3,465—Yours FREE Here at Business Insider Intelligence, Business Insider's premium research service, our goal is to provide:
 | Unbiased insight and analysis | | | Forward-looking views of changing trends and impending disruption | | | Advanced curation of key topics to help you make smarter decisions | As part of this mission, we spend thousands of hours researching and identifying the core issues you need to know within your key areas of interest. After identifying the core issues, we then exhaustively refine all of the available research into jargon-free straightforward reports. In the past year we've produced over 50 comprehensive reports based on seven areas: Mobile Apps & Plats, Digital Media, E-Commerce, Fintech, Payments, Transportation & Logistics, and the Internet of Things.
We want to offer you an exclusive opportunity to sample some of the work we've published and gain FREE access to 7 of our exclusive research reports, when you subscribe to our ALL Newsletter Bundle—the perfect solution for the business professional who needs to stay on top of the fast-moving digital world.
Each of our newsletters makes it easy for you to understand all of the important developments within the industries that are impacting your company, your bottom line, and even your career.
| | | | Here's a summary of what you'll find when you receive your complimentary copies of these 7 exclusive reports that ordinarily retail for $3,465: | | Digital Disruption of Credit Scoring (A $495 value—YOURS FREE!) Traditional consumer lenders, like banks and credit unions, have historically served segments of the population they can conduct robust risk assessments on.
But the data they collect from these groups is limited and typically impossible to analyze in real time, preventing them from confirming the accuracy of their assessments. This restricts the demographic segments they can safely serve, and creates an inconvenient experience for potential borrowers.
This has hobbled legacy lenders at a time when alternative lending firms—which pride themselves on precision risk assessment and financial inclusion — are taking off. These rivals are starting to break into a huge untapped borrower market—some 64 million US consumers don't have a conventional FICO score, and 10 million of those are prime or near-prime consumers.
Incumbents can get in on the game by tapping into new developments in the credit scoring space, like psychometric scoring, which use data besides borrowing history to measure creditworthiness, and by integrating new technologies, like artificial intelligence (AI), to improve the accuracy of conventional risk assessment methods. There are still risks attached to these cutting-edge methods and technologies, but if incumbent lenders are aware of them, and take steps to mitigate them, the payoff from implementing these new tools can be huge.
In this report, Business Insider Intelligence looks at the drivers encouraging incumbent lenders to consider adopting new credit scoring methods or innovative technologies that make the lending process more seamless. It also outlines what incumbents stand to gain from adopting alt scoring, the types of models on the market to choose from, the risks still appended to onboarding them, and recommendations on how to mitigate them to add real value to legacy lenders' businesses.
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The Social Video Report (A $495 value—YOURS FREE!) The "pivot to video" is digital media's megatrend of the moment. The average consumer will view 47.4 minutes of online video per day this year, up 20% from 2016, with the largest gains globally (35%) occurring on mobile, where average viewing times will reach 28.8 minutes daily.
And not surprisingly, ad dollars are following eyeballs online: Global digital video advertising is expected to grow 23% in 2017 to $27.2 billion, up from $22.2 billion in 2016. By 2019, online video could represent 31% of all digital display advertising globally, up from 28% in 2017 and 21% in 2012. In the US, social video ad spend is expected to double for the second year running in 2017 to reach more than $4 billion, accounting for one-third of US digital video and 20% of social media ad sales.
Leading the pivot to video are the major social platforms — Facebook, Instagram, and Snapchat — as well as YouTube, the early pioneer in digital video. These platforms are increasingly prioritizing video on their properties, and also moving to secure high-quality original programming that mimics TV. Meanwhile, publishers and other media companies, brands, and advertisers are all swept up in the tide and are reorganizing their operations to focus on video.
The ultimate goal of these digital video companies is to create a market that can complement (or rival) and eventually surpass that of traditional TV. Last year, for instance, Google succeeded in getting advertising group Interpublic to shift $250 million in TV ad budgets over to YouTube. But there's still a lot more to gain: TV accounted for $73 billion in ad spend in the US last year, and $181 billion globally.
Although these leading social platforms are all-in on video, they each approach the space differently. Facebook's game plan differs from Snap's, which differs from YouTube's. Understanding these nuances is important for industry participants. In this report, we examine the strategies of Facebook, Instagram, YouTube, and Snap in their quests to usher in a golden age of digital video. The report also anticipates where these platforms are headed to help publishers and brands plan for a probable future.
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The Smart Speaker Report (A $495 value—YOURS FREE!) Smart speakers — Amazon's Echo, for example — are the latest device category poised to take a chunk of our increasingly digital lives. These devices are made primarily for the home and execute a user's voice commands via an integrated digital assistant. These digital assistants can play music, answer questions, and control other devices within a user's home, among other things.
The central question for this new product category is not when they will take off, but which devices will rise to the top. To answer this question, Business Insider Intelligence surveyed our leading-edge consumer panel, gathering exclusive data on Amazon's recently released Echo Show and Echo Look, as well as Apple's HomePod.
In this report, we analyze the market potential of the Echo Look, Echo Show, and HomePod. Using exclusive survey data, we evaluate each device's potential for adoption based on four criteria: awareness, excitement, usefulness, and purchase intent. And we draw some inferences from our data about the direction the smart speaker market could take from here.
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End of Apps Report (A $495 value—YOURS FREE!) In 2009, Apple coined the phrase "there's an app for that," and within six years, its prophecy had been fulfilled.
Apps had become the primary way people navigate the internet, overtaking mobile and desktop web browsers. And now they account for the vast majority of time spent on mobile devices.
But, despite this dominance, an intensifying engagement crisis is putting the ecosystem at risk. App usage is consolidating and once they've tried an app, users mostly aren't coming back for more.
This shift could usher in a "post-app" era, which could transform the way consumers access the internet and digital services. Mobile tech giants Apple, Facebook, and Google have each put in motion strategies that best ensure they emerge not only unscathed, but ahead of their competition. At stake is the dominance of an industry projected to reach $102 billion in value globally by 2020.
In this report, Business Insider Intelligence explores the pros and cons of how the three biggest players in the Western mobile market are working to navigate the changing app landscape and how their respective initiatives best position them to come out on top. We will also lay out barriers standing in the way of adoption of the new technology. And we demonstrate the necessity for businesses to take heed of the evolving app market, and show where the best opportunity lies.velopers will have to overcome to reap the benefits of the multi-billion dollar market.
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The Global E-Commerce Landscape (A $495 value—YOURS FREE!) Emerging markets are going to be essential for e-commerce growth, as retailers in developed markets may soon reach saturation in terms of consumer growth.
For example, almost half of US households now have a Prime membership, diminishing Amazon's growth potential in the country. Meanwhile, in China, the world's largest e-commerce market, nearly half of the population is actively making online purchases, leaving little room for growth.
However, India, Southeast Asia, and Latin America are worth keeping an eye on. E-commerce penetration rates in these areas hover between 2-6%, presenting a huge opportunity for future growth as online sales gain traction. Moreover, these regions are expected to grow at compound annual growth rates (CAGRs) of 31%, 32%, and 16%, respectively, through 2021.
In this report, we compile several e-commerce snapshots, which together highlight the most notable emerging markets in various regions. Each provides an overview of the e-commerce industry in a particular country, discusses influential retailers, and provides insights into the opportunities and challenges for that specific domestic industry.
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The Digital Remittance Report (A $495 value—YOURS FREE!) Cross-border, peer-to-peer money transfers — better known as remittances — are an integral part of societies around the world, especially in developing markets where receiving funds could mean the difference between life and death for families and community who remain behind. This has resulted in a massive global remittance market, which totaled $575 billion in 2016 alone, according to The World Bank.
However, this pales in comparison to what the future holds for the sector, as globalization creates greater distance between families and digital tools promise to make transferring funds both easier and more efficient.
This evolution is being accelerated by a number of factors, including several wars leading to the displacement of millions, weather-related disasters resulting in the need for financial relief, a massive workforce moving to stronger economies, and increasing reliance on consumer technology, like smartphones.
Digital first remittance firms are leveraging all of these factors to challenge legacy players that have dominated the industry. These firms are able to accomplish this by competing with the likes of Western Union and MoneyGram on fees and usability, and capitalizing on the way people's expectations have changed with the advent of digital and mobile channels.
In this report, we analyze the global remittance market as it currently stands by examining how digital challengers are changing the industry and what legacy players are doing to hold them off. The report also discusses what the future may hold as a result of the potential MoneyGram acquisition, which could completely disrupt the traditional remittance model.
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The Crowdsourced Delivery Report (A $495 value—YOURS FREE!) As the steady rise of e-commerce pushes logistics companies and their retail partners to deliver more parcels, faster, speedy delivery is becoming a major competitive advantage. And no company has capitalized on this opening like Amazon, which has made a name for itself in fulfillment with its Prime and Prime Now delivery offerings. Now, Amazon's retail competitors — and their logistics partners — are exploring new models and technologies in a race to meet consumers' growing demand for faster delivery. Crowdsourced delivery is one model gaining popularity — it leverages local, nonprofessional couriers to get packages to customers' doors, sometimes in less than an hour.
In this report, Business Insider Intelligence examines the rise of the crowdsourcing model in the last-mile delivery space, which is becoming a crucial segment of the logistics industry with the growth of e-commerce. We detail the top use cases for crowdsourced deliveries, as well as the benefits and challenges of using this model for delivering online orders. We also provide some insights into how crowdsourced deliveries can be better optimized for retail e-commerce deliveries. And lastly, we explain the long-term potential of the startups populating the crowdsourced delivery space as automation starts to play a bigger role in the last mile.
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