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January 29, 2023
Feel-good Sunday: The fight for freedom in Iran and Ukraine – CNN‘s Christiane Amanpour interview sheds more light.
Question: How would you say reporting on conflict and crisis has changed the way you think about the world, your perspective on life?’
“I think it’s changed my perspective in that I’m very clear that I can’t be a both-siderism, or “on the one hand/on the otherism.” In other words, in certain instances, such as gross violations of international humanitarian law, which we’re witnessing, in other words, you know, human rights atrocities, crimes against humanity, genocide and the like, you absolutely have to know where the truth is and what you’re looking at so that you know that there are aggressors and there are victims.”

January 27, 2023
What is Embedded Finance?
“Embedded Finance experiences occur directly within the application or on-site where the end-user or customer is engaged. They are seamless, and they rely on technology that operates in the background, processing the communication and exchange of data invisibly to the end-user.” – FIS “Embedded vs. integrated experiences: Enabling super apps to create deeper customer connection.” https://www.fisglobal.com/en/insights/what-we-think/2022/december/embedded-vs-integrated-experiences-deliver-super-apps-that-create-deeper-customer-connections
LOQUAT Inc., an end-to-end BaaS platform, that improves current effectiveness and efficiency through seamless integration and customization through a 2-way API.
Learn how LOQUAT platform can be part of your financial institution: https://loquatinc.io/financial-institutions/

January 26, 2023
At Loquat we are seeing applications of #AI far beyond a #chatbot. 2022 was pivotal in laying the foundation for what is to come in 2023 and beyond where we have progressed from text-to-image to ChatGPT.
As we explore and try to understand what AI solutions are, it is imperative to understand how it could be implemented in the Financial Institutions to drive performance improvements.

January 25, 2023
“To date, Know Your Customer (KYC) software has been more developed than Know Your Business (KYB). Much of the subcomponents and data from the KYB process overlaps with KYC. This is particularly true for businesses attempting to serve SMBs:
- Since most components of sole proprietorship registration are entirely self-reported by an individual, they require more extensive KYC checks.
- We’ll see more proprietaryAnalytics and identifiers. Many leading KYC startups aggregate hundreds of disparate data sources to provide comprehensive coverage, but few have been able to convert this data into a proprietary identifier.
- The identity verification players can vertically integrate by expanding more broadly into areas like onboarding and credit-related workflows.” – Seema-Amble and Marc Andrusko, Partners, Big Ideas in Tech for 2023 | Andreessen Horowitz

January 24, 2023
“Trust is the new brand equity” – Richard Edelman, CEO Edelman
LOQUAT Inc. was founded with a passion to connect local Financial Institutions with Small Businesses who need a fast, secure and convenient end-to-end digital banking experience.

January 23, 2023
How consumers bank is changing and so as the infrastructure that supports it.
For Financial Institutions, selecting the right technology partner who can facilitate the ever changing environment and the requirements to provide an up-to-date user experience is crucial.
LOQUAT Inc., an end-to-end BaaS platform, is built using the “best-of-the-best” tech stack. Now financial institutions can open small business accounts, instantly issue debit cards, and underwrite loans in minutes.
Book a demo today to learn more: https://loquatinc.io/demo/
January 22, 2023
Feel-Good Sunday: Dan Pallotta: The way we think about charity is dead wrong
In this TED talk, Dan calls out the double standard that drives our broken relationship to charities. Too many nonprofits, he says, are “rewarded for how little they spend – not for what they get done.”
Instead of equating frugality with morality, he asks us to start rewarding charities for their big goals and big accomplishments (even if that comes with big expenses). In this bold talk, he says: “Let’s change the way we think about changing the world.”
Hear Dan Pallotta’s perspective at: https://www.ted.com/talks/dan_pallotta_the_way_we_think_about_charity_is_dead_wrong
January 21, 2023
Curious Saturday: Is crypto truly the next big thing, or is it just a money-sucking flash in the pan?
In a demystifying TED interview, journalist Laura Shin explains what crypto is (and what it definitely isn’t), taking us through the most recent turns in its constantly evolving story – including the recent meltdown caused by the bankruptcy of FTX.

January 20, 2023
Loquat is constantly innovating.
If you have an idea for small business banking – let’s build it together!

January 19, 2023
Being member-owned means credit unions have a pulse on what their members are looking for. Whether it’s an aspiring entrepreneur or an established local business owner, a credit union’s goal is to help them succeed without the self-interest of a profit.
Loquat’s Banking-as-a-Service platform is designed by former banking executives for the local financial institution looking to serve their SMB members in the best possible way. Partnering with best-in-class providers, Loquat offers an unmatched digital experience for small business banking that prioritizes speed, efficiency, and security.

January 18, 2023
“Nearly 90% of shoppers will pay more for a product from trusted brands, strong brands can raise prices with less risk of customer churn.” – Commerce Trends 2023 – Shopify Plus
“In the ‘80s, the legendary brand strategist David Aaker defined brand equity in terms of brand loyalty, awareness, associations and perceived quality. Now brands will need to operate at the intersection of culture, purpose and society. Brands have to act in the moment and be a force for change.” – Richard Edelman, CEO Edelman
Loquat was founded with a passion to connect local financial institutions with small businesses who need a fast, secure and convenient digital banking experience.

January 17, 2023
User demands for a better way to bank have continuously increased – expecting instant response, an area where small business banking and credit unions are struggling. But HOW to change it?
A starting point is to assess a digital maturity of the organization, including the existing tech landscape and availability of reliable, verifiable data sources.
An integration with LOQUAT Inc., a next-gen BaaS platform, and its modern UI that provides a rich #userExperience that exceeds expectations, will help you meet your user demands.

January 16, 2023
Is mainstream AI adoption more “fun” than you think?
In recent years, Artificial Intelligence (AI) has entered the mainstream business landscape as a critical path to advance in the digital economy.
Instead of viewing AI solutions as a technology implementation leaders should focus on HOW they can derive business value from its implementation.
“At Loquat, we believe in the future of AI technologies. We are in a constant search for HOW we can make our customer’s journey a personal, pleasant and up-to-date experience.” – Minesh Valera, Chief Technology Officer at LOQUAT Inc.