Fixed versus dynamic is the push-me-pull-you of payments.
The move to digital is forcing the payments and financial services ecosystem to adopt a more dynamic way of thinking and delivering services. Fixed infrastructure can sometimes make that a challenge.
Take credit scores.
Over the years, credit scores have increasingly been used to inform and influence decisions for lenders and consumers.
But one glaring misconception has remained — that a credit score is a fixed measure of repayment risk.