RO-AR.com

Interest Rate Caps: Credit Cards

With the US president announcing a 10% cap on credit card interest rates here is a quick summary of rate caps in other markets around the world. This change would of course have significant market impact in terms of access to credit, market size and likely impact consumer spending (and GDP). We would also likely see consumers looking for substitutes in other products too. Whatever your view on rates, this is one to watch closely for 2nd order impacts too… Read more

S-Curves, Slowdowns and Surprises

An update with futurist and psychologist Graham Norris on how organisations and individuals should think about rapid change. A focus on AI’s transition from hype to deployment, the behavioural risks of over-reliance, and how firms can maintain judgement and differentiation as AI becomes normalised. Find out more about Graham and Foresight Psychology -> Here. Key Take Aways Technological change continues to accelerate overall, with multiple “S-curves” still in steep phases.AI platform capability improvement appears to be levelling off, shifting attention… Read more

Uncensored CMO: How Diageo’s Joint Venture will transform Ciroc & Lobos 1707 – Nick Tran

Podcast : uncensored CMO Search for original: Link Key Take Aways Large strategic collaborations, including joint ventures, require strong alignment of culture and long-term vision to successfully drive brand revitalisation. Organisations with a long-term outlook invest in brand and leadership development beyond short-term financial metrics, supporting sustainable growth. Granting marketing leaders autonomy to build teams and strategies encourages innovation and stronger brand storytelling. Revitalising heritage brands requires treating them like start-ups, with renewed focus on positioning, storytelling, and evolving campaigns.… Read more

Better Debt: AI and Machine Learning Masterclass

Access the full podcast series here Key Take Aways Understanding the distinction between AI, machine learning (ML), and data science is crucial for effective implementation in organisations. AI seeks to replicate human intelligence, while ML focuses on algorithms that learn from data. Data maturity is essential for organisations aiming to leverage AI and ML; good quality data is a prerequisite. Simpler approaches such as SQL queries should be considered before adopting machine learning models. Piloting use cases helps organisations assess… Read more

Beyond the Hype: Unlocking Value from the AI Revolution

Published by: McKinsey & Company Search for original: Link Key Takeaways Building flashy AI prototypes is straightforward, but translating AI investment into measurable business value remains a significant challenge. The widespread adoption of generative AI has not necessarily resulted in proportionate financial gains, exemplifying the “Generative AI Value Paradox”. Enterprise adoption of AI is high, with 80% of companies saying they use the latest AI, yet many report no substantial impact on revenue or costs. The development of autonomous, agentic… Read more

RO-AR.com: Changing Perceptions Collections Support

Access the full podcast series here Key Take Aways Public perception of the credit collections industry is gradually improving, with greater recognition of its role in maintaining credit availability. The industry has evolved significantly over the past 30 years through consumer credit regulation, the establishment of the Financial Conduct Authority, and adherence to formal codes of practice. The sector actively challenges misconceptions by demonstrating sensitivity to vulnerable consumers and supporting sustainable repayment. Public polling shows high levels of perceived professionalism… Read more