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Analyzable data offers high practical added value for targeting customers with accurate messages and payment offers. But the foundations of the collection process, arguably the most sensitive part of the customer journey, remain paper billing, telephone or simple automation processes.

Employee shareholdings via so-called virtual stock options should be subject to capital gains tax and not income tax, says Stephan Stricker, founder of fintech Pair Finance, in an interview with FinanzBusiness. (€)

Who are actually the brains and doers behind these creative thought processes, at the intersection of finance, digital technologies and entrepreneurship? This time, Minou Ghaffari answers our questions. Minou is Head of Behavioral Science at PAIR Finance, an AI-based FinTech for debt collection and management.