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Delve

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Delve is the award-winning thought leadership platform of McGill University’s Desautels Faculty of Management. How do we bridge academic research and global organizations for a positive impact? Part of the answer lies in
Latest Episode9/29/2022

How FinTech Lending to Small Businesses Opens the Door to Bank Loans, with Paul Beaumont

Season 4, Ep. 4
Bank loans are the typical first step for most small and medium-sized businesses, but another form of business lending has emerged: FinTech companies that use algorithms to determine whether a business is worth the risk. Desautels Professor Paul Beaumont’s research has found that firms served by FinTech platforms have fewer tangible assets than bank borrowers—yet relative to similar firms that take out bank loans or were denied FinTech credit, FinTech borrowers experience a long-term 20% increase in bank credit after receiving their FinTech loan. “We have been lending the same way to small and medium-sized enterprises now for decades,” says Beaumont. “FinTechs constitute an innovation in the way we lend to firms. This is exciting because it means that finally we have invented a new business model to provide funds to small and medium-sized businesses… What we observed is that, in a sense, FinTechs fill the void left by banks when banks lend less often to small and medium-sized businesses.”Delve is the official thought leadership platform of McGill University's Desautels Faculty of Management. Delve's Managing Editor, Robyn Fadden, is the host for this episode. You can find out more about Delve at delve.mcgill.ca. Subscribe to the Delve McGill podcast on all major podcast platforms, including Apple podcasts and Spotify, and follow DelveMcGill on: LinkedIn, Facebook, Twitter, Instagram, and YouTube.
9/29/2022

How FinTech Lending to Small Businesses Opens the Door to Bank Loans, with Paul Beaumont

Season 4, Ep. 4
Bank loans are the typical first step for most small and medium-sized businesses, but another form of business lending has emerged: FinTech companies that use algorithms to determine whether a business is worth the risk. Desautels Professor Paul Beaumont’s research has found that firms served by FinTech platforms have fewer tangible assets than bank borrowers—yet relative to similar firms that take out bank loans or were denied FinTech credit, FinTech borrowers experience a long-term 20% increase in bank credit after receiving their FinTech loan. “We have been lending the same way to small and medium-sized enterprises now for decades,” says Beaumont. “FinTechs constitute an innovation in the way we lend to firms. This is exciting because it means that finally we have invented a new business model to provide funds to small and medium-sized businesses… What we observed is that, in a sense, FinTechs fill the void left by banks when banks lend less often to small and medium-sized businesses.”Delve is the official thought leadership platform of McGill University's Desautels Faculty of Management. Delve's Managing Editor, Robyn Fadden, is the host for this episode. You can find out more about Delve at delve.mcgill.ca. Subscribe to the Delve McGill podcast on all major podcast platforms, including Apple podcasts and Spotify, and follow DelveMcGill on: LinkedIn, Facebook, Twitter, Instagram, and YouTube.
8/30/2022

Striking a New Balance in Management and Society, with Henry Mintzberg and Saku Mantere

Season 4, Ep. 1
How has management thinking changed in the past 50 years and where might management be headed today? In his research and writing, management scholar Henry Mintzberg covers not only the past 50 years but looks toward the future of managing organizations, developing managers, and rebalancing society, from business to politics to higher education.In a big-picture Delve podcast on crucial management, leadership, and organizational issues, Desautels Professor and preeminent management scholar Henry Mintzberg talks with Desautels Professor and Delve Editor-in-Chief Saku Mantere. Their conversation launches the fourth season of the Delve podcast, dedicated to thought leadership and critical thinking in management research at the McGill Desautels Faculty of Management.Mintzberg changed the management landscape with his concepts of strategies being something that people did together in organizations, that strategies could emerge from collective learning rather than be prescribed as formal models, explains Mantere, whose own work focuses on strategic organizations and change.“Strategies are learned: you try things, you do different things, you hit something, you discover something you didn't expect,” says Mintzberg. In recent years, Mintzberg has expanded his research to explore broader, timely, and pressing societal questions that tackle climate change, education, political divides, and social inequities. As Mantere explains in his introduction to the podcast, Mintzberg’s research showed that strategy emerges not only within organizations but between organizations of very different kinds—NGOs, firms, policy organizations, governments—all these have to come together if we think about these grand challenges of society.Delve is the official thought leadership platform of McGill University's Desautels Faculty of Management. Delve's Managing Editor, Robyn Fadden, is the host for this episode. You can find out more about Delve at delve.mcgill.ca. Subscribe to the Delve McGill podcast on all major podcast platforms, including Apple podcasts and Spotify, and follow DelveMcGill on: LinkedIn, Facebook, Twitter, Instagram, and YouTube.
6/23/2022

New Normal: Can Global Financial Transparency Deter Corporate Tax Avoidance? with Preetika Joshi

Season 3, Ep. 19
While tax policies are complicated and often seem unfair, new global solutions can both simplify how corporations pay their taxes and make payment more equitable for countries owed their share of tax revenue. In episode 10 of the second season of The New Normal podcast series, Desautels Professor Preetika Joshi joins journalist Dave Kaufman to discuss tax avoidance and income shifting by corporations, including whether country-by-country reporting is an effective tax avoidance deterrent and how new technologies like blockchain and AI will make tax avoidance more difficult in the future. “Country-by-country reporting requires large multinational corporations to file a form, disclosing global allocation of activities and profits in all jurisdictions a corporation calls home,” explains Joshi. For example, Apple would file this form in the United States, RBC would file in Canada, but the U.S. and Canada would take that form and would share it with the tax administrations of every country where these companies have operations. For companies like Apple, that's almost every country.”“It’s a pretty significant problem,” she continues. “The estimate can run into hundreds of billions of dollars globally, and this has been growing over the years.” In 2018, the international monetary fund estimated this to be around 500 to 600 billion, more than many countries’ GDPs put together. Delve’s The "New Normal" podcast series is a collaboration between journalist Dave Kaufman and Delve, the official thought leadership platform of McGill University’s Desautels Faculty of Management. The “New Normal” is produced by Delve and Dave Kaufman, with audio engineering by David Rawalia. Each episode looks in-depth at a different aspect of the new normal that we are all navigating due to the COVID-19 pandemic. Original music by Saku Mantere.Dave Kaufman is a Montreal-based journalist and commentator. He has worked for CJAD 800 and TSN 690 Radio in Montreal, CTV News Channel, CTV Montreal, and TalkRadio and SkyNews in the United Kingdom. He has written for the National Post, Montreal Gazette, and Toronto Sun and other publications. Follow him on Twitter at @TheKaufmanShow.You can subscribe to the Delve podcast on all major podcast platforms, including Apple podcasts and Spotify, and follow Delve on: LinkedIn, Facebook, Twitter, Instagram, and YouTube.
6/2/2022

An Ethical, Human-Centred Approach to AI in Human Resources, with Matissa Hollister

Season 3, Ep. 18
Could Artificial Intelligence tools decide who gets hired or fired, who gets a raise, or who’s ready to be a mentor? Some already are, to varying levels of success. Hundreds of AI-based tools already exist for use in Human Resources tasks, including hiring, training, and employee engagement, but it’s often difficult to discern their use value, let alone how to use them effectively and ethically, an arguable essential in HR. Desautels Professor Matissa Hollister, lead author of the World Economic Forum’s Human-Centred Artificial Intelligence for Human Resources: A Toolkit for Human Resources Professionals, discusses how organizations can navigate and overcome the responsibilities and challenges they face when implementing AI in Human Resources. “AI is a cutting-edge tool that encodes the status quo,” says Hollister. “The hope is that the toolkit will make organizations think more about why they're using AI in the first place. It's important to still allow the human to make the final decision, but also provide them with guidelines about how they should be using the system and how they need to also document their decision.”Delve is the official thought leadership platform of McGill University's Desautels Faculty of Management. Delve's Managing Editor, Robyn Fadden, is the host for this episode. You can find out more about Delve at delve.mcgill.ca. Subscribe to the Delve McGill podcast on all major podcast platforms, including Apple podcasts and Spotify, and follow Delve on: LinkedIn, Facebook, Twitter, Instagram, and YouTube.
5/26/2022

How Predictive Data Analysis Illuminates the Future of Retail, with Maxime Cohen

Season 3, Ep. 17
Artificial Intelligence innovation thrives in an environment where business arenas, fundamental research, and thought leadership overlap. As seen in recent cross-sector AI initiatives in Montreal, determining the capacities of AI and related data analytics applications is essential to understanding how they will play out in the wider world, whether analyzing healthcare data or implementing predictive analytics in retail. On the Delve podcast, Desautels Professor Maxime Cohen demystifies how retailers can use data analytics to predict demand, make operational decisions, and boost revenue.“It’s impossible for a human brain to process so much information and to find all the hidden patterns and correlations between different types of features in order to make accurate predictions,” says Cohen. “That's why in the specific case of a demand prediction in retail, machine learning algorithms are very useful and have been successfully applied to get very high prediction demands.”Delve is the official thought leadership platform of McGill University's Desautels Faculty of Management. Delve's Managing Editor, Robyn Fadden, is the host for this episode. You can find out more about Delve at delve.mcgill.ca. Subscribe to the Delve McGill podcast on all major podcast platforms, including Apple podcasts and Spotify, and follow Delve on: LinkedIn, Facebook, Twitter, Instagram, and YouTube.