Crowdfunding Capital: The Blessing & The Curse

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Last month, the SEC adopted Title II of the Jumpstart Our Business Startups (JOBS) Act, which allowed companies to publicly advertise their fundraising activities. In the short time the law has been in place, a number of companies have emerged and started knitting together a fundraising ecosystem to serve those interested in raising capital through… Read more »

The Fraud Opportunity: B2B Purchasing Online Demands Innovation in Detection and Prevention

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Fraud cost online retailers an estimated $3.5b last year and will likely continue to grow as more eCommerce businesses open, driving up the number of vulnerable transactions. Most business owners view fraud as an unavoidable cost that needs be minimized independent of revenue generation. Yet, this belief ignores the non-monetary costs that fraud imposes on… Read more »

Watson & The Impending HCM Revolution

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In thinking about the HR software ecosystem, I like “Human Capital Management” over the more traditional “Human Resources Management.” I think HCM may have originated from an attempt to find a more delicate buzzword for workforce oversight. The word “capital” speaks quite well to how employees should be viewed within an organization. While one typically… Read more »

The GRC Opportunity: Finance Innovation

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Andrew Haldane, Executive Director of Financial Stability at the Bank of England, in a speech to The US Fed at their Economic Policy Symposium sums up the state of affairs in banking infrastructure, “Today, UK banks are required to fill in more than 7,500 separate cells of data – a fifty-fold rise. Forthcoming European legislation… Read more »

Premise Data Corporation

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As many readers of this blog know we have done a fair amount of research into the financial services sector. From an IT standpoint, we think that this represents one of the largest opportunities today given the legacy IT base as well as a serious willingness on behalf of pretty much the entire category to… Read more »

Regulation To Innovation: Healthcare Then, Finance Now

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In the 90’s a series of new regulations and high-profile prosecutions forced the healthcare industry to develop legit compliance programs: The Anti-Kickback Statute was followed by the Health Insurance Portability and Accountability Act (HIPAA) of 1996, and the compliance provisions in the Balanced Budget Act of 1997. There were also some public investigations and lawsuits,… Read more »

Revenue Seasonality: Software & SaaS

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TLDR: While it’s true that SaaS companies generally don’t see much revenue seasonality, there are some notable exceptions to the rule. We recently had a few questions pop up around seasonality with SaaS revenues and to what extent there’s an industry-wide trend. The truth is it really depends on the company’s business model, specifically around how… Read more »