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Digitization can reduce investment banks' operational costs by up to 25%

The 2016 edition of McKinsey's annual report on Capital Markets and Investment Banking found that extensive job cuts have not resulted in decreases in operational costs in the industry, and that banks should also look to increase digitization to achieve savings.<p>Although 10,000 front-office jobs …

Profit

8 habits that make 20-somethings anxious and unproductive

Not surprisingly, millennials are also more anxious than older Americans. The APA reports that 12% of millennials have a diagnosed anxiety disorder—almost twice the percentage of Boomers.<p>On a non-clinical scale, a BDA Morneau Shepell white paper discovered that 30% of working millennials have …

Employment

The 18 apps you should use every day to be more productive

That's why we've assembled a list of apps that will make you more productive, and take away some of the stress from your life.<p>From fan favorites to cutting-edge newcomers, these apps help you sketch out an idea, take detailed notes, or stay in touch with your team.<p>Whatever your day consists of, …

Fully understand the Fintech Ecosystem with this report

We've entered the most profound era of change for financial services companies since the 1970s brought us index mutual funds, discount brokers and ATMs.<p>No firm is immune from the coming disruption and every company must have a strategy to harness the powerful advantages of the new fintech …

Profit

Payments Ecosystem - Research & Business Opportunities

BI Intelligence<p>The modern smartphone is a remarkable device. A single device that fits in your pocket can do all the tasks that once required cameras, camcorders, GPS devices, watches, alarm clocks, calculators, and even TVs.<p>But the next change might be the most radical of all—it could eliminate …

FinTech

9 phrases that make you sound less experienced than you are

Although I could legally drink (barely), every single one of my 300-or-so co-workers was older and more experienced than I was.<p>I felt like the low woman on the totem pole — and worse, I probably acted like it. (Exhibit A: My email signature was hot pink and in Lucida Calligraphy font.)<p>But looking …

Employment

21 everyday phrases that come straight from Shakespeare's plays

William Shakespeare wrote a lot of great plays, but he also coined and popularized a lot of words and phrases that we still use to this day.<p>We put together a list of our 21 favorites. Check them out:

How to create a killer LinkedIn résumé in 5 minutes

For instance, they're <i>not</i> interested in reading an online version of your work résumé. (In fact, that's about as far away as you can get from creating a killer LinkedIn profile.)<p>They do want to know, as quickly as possible, who you are, what product or service you provide, and how that product or …

Here's how payments companies are using digital technology to reach the un- and underbanked

BI Intelligence<p>More than 2 billion adults worldwide, in both developed and developing countries, lack adequate access to banking services. Of this group, the majority isn’t excluded by choice; rather, cost, distance, need, and other variables make it challenging or impossible to access banking …

Technology is disrupting the financial services industry — here's how

Technology is upending workflow and processes in the financial services industry. Tasks once handled with paper money, bulky computers, and human interaction are now being completed entirely on digital interfaces. Given how pervasive financial services are across the globe, the disruption …

Goldman Sachs

4 mortgage secrets only your broker knows

Taking out a mortgage loan to buy a home is a huge investment — probably the biggest you'll ever make.<p>That's why it's important to cut as many costs of applying for a mortgage loan as possible. Who knows best how to reduce these costs? Mortgage lenders, of course.<p>Here are four secrets that your …

21 Must-See Wall Street Movies To Watch Over The Holidays

That doesn't mean you can't get a little Wall Street in your day, though. Why not kick back on the couch and watch one of these Wall Street movies during your downtime.<p>You'll definitely enjoy yourself, and you might even learn something.

How To Lace Boots: Make Your Boots Fit Better

A frugal take on the $400 original.<p>A new line of dress shoes from one of our favorite bootmakers.<p>Our picks from this huge sale – you won't likely see …

Opinion: Protect your portfolio with these 5 basic hedging strategies

It’s a fact of life that markets fluctuate. But occasionally markets experience bouts of extreme volatility and declines, which can wreak havoc on …

10 Real Wall Street Stories That Should Be Movies

Remember, Martin Scorcese's 2013 smash 'Wolf of Wall Street' was based on one former financier's memoir, proving sometimes you can't make this stuff up.<p>And there are a million of these stories all over The Street. They run the gamut from multi-billion trading losses to messy divorces and …

The 25 Best Restaurants In The World, According To Travelers

It's how you discover that a restaurant in Montreal will give you cigars upon arrival, that a place in Copenhagen will shower you in champagne, or that the best restaurant in Beijing is actually hidden inside a restored Temple.<p>So when TripAdvisor wanted to compile a list of the best restaurants …

TripAdvisor

The World’s Most Michelin-Starred Chef Is Coming Back To New York

Not only did Michelin reveal its 2015 restaurant ratings for the Big Apple on Tuesday, but it was announced Wednesday that world-renowned chef Joël Robuchon is set to reopen his famous L'Atelier de Joël Robuchon in New York's Battery Park City.<p>Robuchon, whose restaurant empire encompasses Hong …

27 Things Everyone In London Should Do This Fall

From strolling through Shoreditch to check out edgy new street art to eating at the city's best restaurants during the London Restaurant Festival, here are the best things to do in London this fall.<p><i>Did we miss your favorite London fall activity? Sound off in the comments below.</i>

Marcus Aurelius' 10 Rules For Being An Exceptional Leader

His book "Meditations" has inspired leaders for centuries because of its timeless wisdom about human behavior.<p>It's a collection of personal writings from the chaotic last decade of his life. This turmoil inspired him to develop his interpretation of Stoic philosophy, which focused on accepting …

The 13 Best Books The Army Wants Its Leaders To Read

They need to respond quickly to chaotic situations — often with limited information — and effectively lead and inspire others.<p>In essence, being a good soldier means being physically <i>and</i> mentally prepared.<p>To help in this latter area, the Army's top officer, the Army Chief of Staff, publishes a list …

When Fighting with Your Boss, Protect Yourself First

Have you ever felt like your boss is out to get you? Maybe you’re paranoid. But then again, maybe not. There are a lot of bad bosses out there, leaders who aren’t stupid but lack emotional intelligence. Their self-awareness is strikingly low, they’re clueless when it comes to reading people, they …

11 Cocktails To Drink Before The End Of Summer

On a warm summer's night, there's nothing better than relaxing outdoors and sipping a delicious cocktail.<p>With the help of Food52, we've compiled a list of the best summer cocktail recipes. Now you won't even have to leave your home to enjoy some of the tastiest drinks available. These range from …

There Are A Bunch Of Startups That Find You Money You Didn't Know You Were Owed

Now several new startups are helping people do more than just complain when a flight is delayed or a cop issues an unfair parking ticket.<p>Nicolas Michaelsen likes to call what his startup does "justice as a service." Michaelsen founded Airhelp with Henrik Zillmer, Greg Roodt, and Morten Lund in …

The CIA's Style Guide Is Surprisingly Good

Previously unknown until early 2013, the 8th edition of the CIA's style guide surfaced on social media last week.<p>Despite being intended to guide both creators and analyzers of government intelligence, the document helps us plebeian writers, to0. Even Strunk and White, the godfathers of writing …

Style Guides

7 Body-Language Tricks To Make Anyone Instantly Like You

And according to Leil Lowndes in her book "How To Talk To Anyone," you can capture — and hold — anyone's attention without saying a word.<p>We've selected the best body-language techniques from the book and shared them below.<p>"Don't flash an immediate smile when you greet someone," says Lowndes. If you …

17 Former Google Interview Questions So Ridiculous The Company Banned Them

There can be bizarre interview questions that seemingly have no answers. There can be standards — like not hiring anyone who attended a college outside of the Ivy League — that will knock candidates out of the race before they even approach the starting line.<p>Google used to be the shining example of …

How To Get A Seat At The Legendary 'Jiro Dreams Of Sushi' Restaurant

The tiny Tokyo establishment was a destination of choice for Barack Obama and Japanese Prime Minister Shinzo Abe during Obama's visit back in April, and it was also featured prominently in the documentary, "Jiro Dreams Of Sushi," inspiring sushi fans from around the world to seek out a seat at the …