For decades, independent retailers built customer relationships the old-fashioned way. Handshakes, trust, memory and a good POS receipt drawer. The most valuable asset in your business may no longer ...

Modern CX depends less on where data lives and more on how signals, AI, and governance come together at decision time.

Open banking, embedded finance, and AI are changing where bank data flows. Data privacy now determines how far innovation can ...

Data privacy regulations aren’t known for being light reading. That doesn’t make it easy for businesses to become compliant. When one law refers to data subjects, another to residents, another to ...

For the modern restaurant, data is power. Data can tell you approximately how much beef you need to purchase for a typical Saturday evening shift, and it can tell you how many employees to put on the ...

Data-driven customer segmentation allows you to analyze if there are several distinct groups in your addressable market and what they are. Customer-centricity is the process of continuously optimizing ...

Forbes contributors publish independent expert analyses and insights. Gary Drenik is a writer covering AI, analytics and innovation. For centuries, banks have relied on relationships and legacy ...