Strategy and Digital Transformation

When  Apple announced the upcoming buy now pay later(BNPL) product, in addition to apple pay, apple cash, and their financial product ecosystem, as expected, it immediately impacted companies operating BNPL. Several financial companies' shares lost a huge chunk of their value. But, is Apple by BNPL another hype? Reference Let's Look at the Data. While the Apple ecosystem is quite unique in North America with about 54% of the smart operating system market. The question is will apple BNPL disrupt the status quo?                                                                             Reference Apple is currently sitting on a huge pile of cash, which means they are able to run the BNPL and maximize the overall value. Apple mobile OS(=》Apple pay) is about 54% of the North American market but on...

Before COVID-19, the remote working discussion was on the increase. Exponential research inferences were that people could do much more by working from home or anywhere other than their workplace. In fact, in countries like France (1) and Australia (2,3) , there is legislation that has evaluated the pragmatic and general policies guiding a daily 8hrs work hours (38-40hours per week) as people continue to respond to work-related assignments at home outside their work hours and are not paid for it. Fast forward to the Covid-19 pandemic era, where businesses are forced to take the stand on a contactless or remote approach to work if they are to survive. People are beginning to report getting overworked (4). Many say their organizations are sticking to the same daily productivity measures as if they were meeting physically, even working from home (5) . For many business leaders, it is working as usual, but it should not be . Clocking In, more meetings, more emails, more chats, more pr...