Who Really Controls the Fed?
By Deren Ozbilge For most of this fall, Wall Street has been focused on AI stocks and the midterm elections; however, the most surprising economic stories of the year came from the Federal Reserve. Kevin Warsh was picked to lead the Fed by President Trump, who has spent years pushing for lower interest rates. Unfortunately for President Trump, that isn't what happened. On September 16, 2026, the Fed raised rates by a quarter point to a range of 3.75% to 4%, which was its firs
30 minutes ago5 min read
Are High Interest Rates and Inflation Quietly Crushing the Middle Class?
While Wall Street debates rate hikes, middle-class families are paying the price every time they swipe a card or apply for a loan.
23 hours ago4 min read
Article on Brand Loyalty in the Age of Instant Gratification
In a society where it appears everyone wants everything right now, brand loyalty does have some great opportunities and some actual threats. Today's consumers are no longer looking for products; they're looking for that instant gratification. That is being driven by rapid delivery, convenient online shopping, and reward programs rewarding with ease. Brands must thus redefine how they acquire and retain customers. Brand loyalty today is not just defined by making sure your cus
Oct 94 min read
AI in Credit Underwriting: Who Gets Left Out, and What Gets Missed
Everyone talks about AI taking away jobs or AI chatbots. But something quieter is happening too, and it might matter even more. AI is changing who gets a loan from a bank. Right now, banks look at your money history to decide if you can get a loan. About 1.4 billion people in the world don't even have a bank account. Many others have some history, just not enough for a bank to trust them, so the bank says no, even if that person would actually pay it back (World Economic Foru
Oct 83 min read
From Piggy Banks to Bitcoin: What Generation Z Actually Wants from Banking
A generation is changing the world of banking. This generation, named Generation Z, has come into existence in an era where there are smartphones and social networking as well as easily available information. Because of these reasons, this generation demands convenience and immediacy in banking. Banking institutions, therefore, are under pressure to adapt themselves to this generation. The most important trend among Gen Z population is their preference towards digital banking
Jun 253 min read
The Economics Behind Teenage Expenditure
By Suyash Raghavendra When I recently went for a casual walk through a shopping mall with my family, something felt immediately strange. Aside from me and my brother, almost everyone browsing the stores looked to be in their forties or sixties. I remember thinking, Did young people suddenly stop caring about clothes? About trends? About shopping? Of course, they didn’t. They just stopped coming here. Teenagers still shop constantly—they just do it from their phones. Instead o
Apr 56 min read
Facts vs. Experience: Are We Trusting Data More Than People?
By Meghna Sethuraman On October 29th, 2018 a catastrophic plane crash, known as Boeing’s 737 MAX crash took place. The plane crash killed 346 citizens, and numbers of over $60 billion worth of financial damage formed. It culminated in thousands of canceled orders, and even led to the firing of CEO Dennis Muilenburg. Breaching the trust of a multitude of citizens in Boeing's engineering and safety protocols, the crashes continue to “linger” to this day, as seen even through th
Mar 104 min read
