Irresistible - WSJ

The irresistible rise of Latin America s fintechs



America's Irresistible Attraction: Beyond the Green Card

A girl with sparkling eyes, brimming with excitement, walks lightly on the streets of Paris with her heart beating. She smiles at passers by, simply for pleasure. She blows a kiss at a stranger, just for fun.

This girl seizes the moment! She makes her own luck and rewrites all the rules, leaving just one: Live Irrésistible.

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As the only California-based airline, Virgin America is on a mission to make flying good again with innovative features, irresistible fares, and convenient flights to hot destinations across the U.S. and Mexico. Grab a seat at virginamerica.com to see how good it gets at 35,000 feet.

MAIN CABIN
Arrive in style with our mood-lit cabins, custom leather seats, and seat-back entertainment system that puts on-demand food, drinks, movies, music, live TV, and more at your fingertips.

MAIN CABIN SELECT
Enjoy all the perks of flying in the Main Cabin, plus complimentary food and drinks, free entertainment, dedicated luggage space, ample legroom and priority check-in.

FIRST CLASS
This exclusive eight-seat cabin provides the most relaxing and entertaining in-flight experience out there. Fly in plush white leather seats, enjoy unlimited complimentary entertainment, food, and drinks, and check two bags for free.

ON-DEMAND FOOD, MOVIES, AND MORE
With Red, the award-winning Virgin America in-flight entertainment system, you're just a few taps away from food, drinks, movies, games, and dozens of live TV channels, including a custom channel screening exclusive extras from our partners at Virgin Produced.

WIFI AND OUTLETS AT YOUR SEAT
Airspace is now workspace with outlets at your seat and WiFi on every plane. You can plug in, log on, and land with an empty inbox.

The term "middle market" may not convey much sex appeal, at least at first blush, but companies that fit that description are proving to have a powerful allure for both the biggest U.S. banks and hipper, cutting-edge fintech firms.

What makes the companies, with revenues from $10 million to $1 billion a year, valuable customers isn't surface panache but revenue and hiring growth that are outpacing the U.S. economy, customer loyalty and the possibility of lucrative expansion, according to a new report by the financial consulting firm Deloitte . 

It's a market that has long been the domain of smaller, regional banks, which have the advantages of proximity and long-standing relationships. But that's changing as fintech lenders, like Kabbage , Lending Club and Bond Street  offer rapid approvals through online applications that use computer algorithms to gauge credit-worthiness while traditional banks like JPMorgan Chase ( JPM ) and Bank of America   ( BAC ) offer enhanced digital services such as check deposits via smartphones and tablets.

"We've known this a long time in the industry: that you win on relationship, but you can lose a deal on price," Deron Weston, one of the report's authors, said in a telephone interview. Now, bankers can also lose a deal based on "the quality of your products and services: how innovative, how automated, how digital those products are."

Deloitte's findings are based on a fall telephone survey of 100 C-suite executives at firms with $10 million to $100 million in revenue, the lower end of the middle-market spectrum. That portion "is where we see the next wave of disruption happening, as marketplace lenders and other fintech firms" move in, the authors said in the report.

From April through June, average quarterly revenue for such businesses grew 6.6% from a year earlier, outpacing U.S. economic growth of 2.7% in the same period, the reported noted. Their payrolls widened 3.8%, compared with a 2.1% gain in the U.S. labor market.

A girl with sparkling eyes, brimming with excitement, walks lightly on the streets of Paris with her heart beating. She smiles at passers by, simply for pleasure. She blows a kiss at a stranger, just for fun.

This girl seizes the moment! She makes her own luck and rewrites all the rules, leaving just one: Live Irrésistible.

By proceeding beyond this page, you consent to the installation of cookies in order to provide interest based services and provide statistics. You can manage your cookie choices and preferences by clicking here .

A girl with sparkling eyes, brimming with excitement, walks lightly on the streets of Paris with her heart beating. She smiles at passers by, simply for pleasure. She blows a kiss at a stranger, just for fun.

This girl seizes the moment! She makes her own luck and rewrites all the rules, leaving just one: Live Irrésistible.

By proceeding beyond this page, you consent to the installation of cookies in order to provide interest based services and provide statistics. You can manage your cookie choices and preferences by clicking here .

As the only California-based airline, Virgin America is on a mission to make flying good again with innovative features, irresistible fares, and convenient flights to hot destinations across the U.S. and Mexico. Grab a seat at virginamerica.com to see how good it gets at 35,000 feet.

MAIN CABIN
Arrive in style with our mood-lit cabins, custom leather seats, and seat-back entertainment system that puts on-demand food, drinks, movies, music, live TV, and more at your fingertips.

MAIN CABIN SELECT
Enjoy all the perks of flying in the Main Cabin, plus complimentary food and drinks, free entertainment, dedicated luggage space, ample legroom and priority check-in.

FIRST CLASS
This exclusive eight-seat cabin provides the most relaxing and entertaining in-flight experience out there. Fly in plush white leather seats, enjoy unlimited complimentary entertainment, food, and drinks, and check two bags for free.

ON-DEMAND FOOD, MOVIES, AND MORE
With Red, the award-winning Virgin America in-flight entertainment system, you're just a few taps away from food, drinks, movies, games, and dozens of live TV channels, including a custom channel screening exclusive extras from our partners at Virgin Produced.

WIFI AND OUTLETS AT YOUR SEAT
Airspace is now workspace with outlets at your seat and WiFi on every plane. You can plug in, log on, and land with an empty inbox.

The term "middle market" may not convey much sex appeal, at least at first blush, but companies that fit that description are proving to have a powerful allure for both the biggest U.S. banks and hipper, cutting-edge fintech firms.

What makes the companies, with revenues from $10 million to $1 billion a year, valuable customers isn't surface panache but revenue and hiring growth that are outpacing the U.S. economy, customer loyalty and the possibility of lucrative expansion, according to a new report by the financial consulting firm Deloitte . 

It's a market that has long been the domain of smaller, regional banks, which have the advantages of proximity and long-standing relationships. But that's changing as fintech lenders, like Kabbage , Lending Club and Bond Street  offer rapid approvals through online applications that use computer algorithms to gauge credit-worthiness while traditional banks like JPMorgan Chase ( JPM ) and Bank of America   ( BAC ) offer enhanced digital services such as check deposits via smartphones and tablets.

"We've known this a long time in the industry: that you win on relationship, but you can lose a deal on price," Deron Weston, one of the report's authors, said in a telephone interview. Now, bankers can also lose a deal based on "the quality of your products and services: how innovative, how automated, how digital those products are."

Deloitte's findings are based on a fall telephone survey of 100 C-suite executives at firms with $10 million to $100 million in revenue, the lower end of the middle-market spectrum. That portion "is where we see the next wave of disruption happening, as marketplace lenders and other fintech firms" move in, the authors said in the report.

From April through June, average quarterly revenue for such businesses grew 6.6% from a year earlier, outpacing U.S. economic growth of 2.7% in the same period, the reported noted. Their payrolls widened 3.8%, compared with a 2.1% gain in the U.S. labor market.

" Irresistible " is a song written and recorded by the American rock band Fall Out Boy from their sixth studio album, American Beauty/American Psycho (2015). Initially released as the second promotional single from the album on January 5, 2015, it debuted at No. 77 in the US and No. 70 in the UK. In February 2015, it was released as the band's third UK single, and a music video was released on February 19. [3]

A remix version featuring Demi Lovato , was released on October 16, 2015 and peaked at No. 48 on the Billboard Hot 100 . On October 30, another remix version, featuring vocals by Migos and production by Zaytoven , was included in the remixed album Make America Psycho Again . [4]

The song is the first track on Fall Out Boy's sixth studio album American Beauty/American Psycho , and it runs a length of three minutes and twenty seconds. [5] The song was written by Fall Out Boy and produced by Butch Walker and Jake Sinclair. Bassist Pete Wentz compared the mood of the song to a scene in the biopic Sid and Nancy . [6] "When I think of "Irresistible", it brings this image to my head, whether it's fictional or real, of Sid and Nancy in an alley, garbage raining down on them in an eternal spiral of romance and poison. Sometimes it's hard not to love what can hurt us the most." [7]

The remix version, featuring Demi Lovato, was directed by Brendan Walter. [14] The video starring Doug the Pug and references their previous videos, "Centuries", "Sugar, We're Goin Down", "Dance, Dance", "Uma Thurman" and the official video of "Irresistible". [15]

A third video was released on January 5, 2016 for the version featuring Lovato. The video references the NSYNC music video for " It's Gonna Be Me " where the band members are dolls in a toy store. The Fall Out Boy dolls are rejected but form their own band. The video is directed by Wayne Isham and features cameos by Chris Kirkpatrick and Joey Fatone .

A girl with sparkling eyes, brimming with excitement, walks lightly on the streets of Paris with her heart beating. She smiles at passers by, simply for pleasure. She blows a kiss at a stranger, just for fun.

This girl seizes the moment! She makes her own luck and rewrites all the rules, leaving just one: Live Irrésistible.

By proceeding beyond this page, you consent to the installation of cookies in order to provide interest based services and provide statistics. You can manage your cookie choices and preferences by clicking here .

As the only California-based airline, Virgin America is on a mission to make flying good again with innovative features, irresistible fares, and convenient flights to hot destinations across the U.S. and Mexico. Grab a seat at virginamerica.com to see how good it gets at 35,000 feet.

MAIN CABIN
Arrive in style with our mood-lit cabins, custom leather seats, and seat-back entertainment system that puts on-demand food, drinks, movies, music, live TV, and more at your fingertips.

MAIN CABIN SELECT
Enjoy all the perks of flying in the Main Cabin, plus complimentary food and drinks, free entertainment, dedicated luggage space, ample legroom and priority check-in.

FIRST CLASS
This exclusive eight-seat cabin provides the most relaxing and entertaining in-flight experience out there. Fly in plush white leather seats, enjoy unlimited complimentary entertainment, food, and drinks, and check two bags for free.

ON-DEMAND FOOD, MOVIES, AND MORE
With Red, the award-winning Virgin America in-flight entertainment system, you're just a few taps away from food, drinks, movies, games, and dozens of live TV channels, including a custom channel screening exclusive extras from our partners at Virgin Produced.

WIFI AND OUTLETS AT YOUR SEAT
Airspace is now workspace with outlets at your seat and WiFi on every plane. You can plug in, log on, and land with an empty inbox.



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