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Having started its rise in the 2010s, fintech has changed the image of traditional  financial services . With online banking, online investing, and online payments already existing, it has been only a matter of time for mortgage and loans to become digital products. They are becoming much more convenient than their traditional versions, more oriented at customers, and less time-consuming. And all these benefits are completed with the fact that millennials, one of the forces that powered the rise of fintech, are ready to become the  target clients of the housing market.  As the demand for mortgages is growing and the market orients at the digital users, online mortgage services aim to meet the needs of the present and replace traditional loan services. Here, the essentials of building an online mortgage service are revealed: the pitfalls, recommendations, and best practices. Why online mortgages thrive My colleague once  wrote that fintech appeared  as a r...

To create an  unconflicted  insurance company you have to rethink the very  business model  of insurance; to make it  transparent  you have to take a bulldozer to its foundational document: the Policy. Lemonade is committed to both. In late 2016 we launched Lemonade with a novel  business model , but sensed that razing the ‘industry standard’ insurance policy was more than our regulators and reinsurers could stomach. That was then. This is now. Transparency is the best policy “A lack of transparency results in distrust and a deep sense of insecurity” — Dalai Lama To normal people, insurance policies are the ultimate word salad. The renters policy we launched with is ‘industry standard,’ which is to say it’s 40 pages long, and contains some 20,000 words, many of them from middle-English. But more troubling than words like ‘pewterware,’ ‘smudging,’ and ‘bailee,’ is how the policy contorts even simple words, like ‘Employee,’ into gobbledego...

Web radio includes the conveyance of sound programming by means of computerized implies from one PC to different PCs over the web. It includes both simulcast of existing over-the-air radio broadcasts and substance from web just stations. Web radio was made conceivable in 1995 by the appearance of gushing innovation. Preceding gushing, clients were required to download a whole sound record before tuning in to it. Gushing innovation permits Internet radio audience members to tune in to sound as it landed progressively so clients don't need to download a whole sound record. Web radio gushing can include both live material and chronicled clasps of sound substance recorded before. In either case, the client must have unique programming that matches the product utilized by the station to encode and transmit the information. Web radio was a blasting venture into the late 1990s yet legitimate choices and a downturn in web publicizing viably shut down numerous Internet radio broadcasts. In ...