We’ve crammed our apartment and offices with TVs and computer screens. And, yet, most of the time, they sit there, idle. Yes, that’s right, they’re idle when we’re not there watching and when you’re not using them. This is also true of all many different and entangled cables, which are used to charge and connect our devices together.

How should companies go about acquiring new customers? How can they make sure that their discount offerings are going to result in acquiring new customers? How can they estimate the total lifetime value of a specific individual customer? How can they make the most of their marketing expenditures? How to predict how much a consumer will spend? These are some of the questions I touched…

Banks have long been able to thrive in a relatively closed market which was defined by regulation. But, recent technological innovations combined with deregulation all across Europe are profoundly changing the market. Today, there are three different types of new entrants which have the potential to disrupt the business model of retail banks according to Jean-Yves Bruna, a Chief Strategy and Development Officer in…