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lumenous

When the lines between consumer and business blur. February 8, 2017. This is day two of a conference in San Francisco. On the broad topic of Capitalism at the Crossroads. It came to my attention via this post from Fred Wilson. Of Union Square Ventures. Today Fred writes about a panel he’s moderating. On how globalization and outsourcing are changing the future of labor. It triggers a concern on my mind a lot and one I’ve written about before. Small biz, small bank synergy is real! January 29, 2017. 8220;...

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When the lines between consumer and business blur. February 8, 2017. This is day two of a conference in San Francisco. On the broad topic of Capitalism at the Crossroads. It came to my attention via this post from Fred Wilson. Of Union Square Ventures. Today Fred writes about a panel he’s moderating. On how globalization and outsourcing are changing the future of labor. It triggers a concern on my mind a lot and one I’ve written about before. Small biz, small bank synergy is real! January 29, 2017. 8220;...

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lumenous | blog.lumeno.us Reviews

https://blog.lumeno.us

When the lines between consumer and business blur. February 8, 2017. This is day two of a conference in San Francisco. On the broad topic of Capitalism at the Crossroads. It came to my attention via this post from Fred Wilson. Of Union Square Ventures. Today Fred writes about a panel he’s moderating. On how globalization and outsourcing are changing the future of labor. It triggers a concern on my mind a lot and one I’ve written about before. Small biz, small bank synergy is real! January 29, 2017. 8220;...

INTERNAL PAGES

blog.lumeno.us

1

Juxtaposition | lumenous

https://blog.lumeno.us/2015/01/22/juxtaposition

Laquo; New data regulations; What could go wrong? Credit is broken; And it needs a unicorn? January 22, 2015. Two stories from very different contexts came across my news feed today. The first. Announced a major investment in a small business lending service. The other. Took a fresh look at the war against drugs and the origins of addiction. Small businesses need more capital right? Why not create automated lending machines to get them funds a typical bank cannot provide. Leave a Reply Cancel reply.

2

What small business lenders want . . . | lumenous

https://blog.lumeno.us/2013/08/26/what-small-business-lenders-want

Laquo; My credit bureau cold call. Creditworthiness is like . . . What small business lenders want . . . August 26, 2013. We’ve written about bank criteria for lending to small businesses but there’s nothing like getting it straight from them. This is a summary of a great piece from Chris Nichols. To read the original post, click here. 1 Be clear what you need and why. 2 Underscore quality of the team. 3 Be prepared with transaction details. I’m just going to quote Chris:. Our common advice to companies ...

3

smb loans | lumenous

https://blog.lumeno.us/tag/smb-loans

Archives for posts with tag: smb loans. What small business lenders want . . . August 26, 2013. We’ve written about bank criteria for lending to small businesses but there’s nothing like getting it straight from them. This is a summary of a great piece from Chris Nichols. To read the original post, click here. 1 Be clear what you need and why. 2 Underscore quality of the team. 3 Be prepared with transaction details. I’m just going to quote Chris:. Our common advice to companies is when talking to your ba...

4

Uncategorized | lumenous

https://blog.lumeno.us/category/uncategorized

Archives for category: Uncategorized. Laquo; Older Entries. Why I joined the board of PDEC. June 7, 2016. I first learned of the Personal Data Ecosystem Consortium (PDEC) three years ago. I mostly thought the name was quite the mouthful. In time I discovered many kindred spirits in its ranks. After participating in the governance committee over the past year, I have agreed to join the board. Here’s why that matters. And the Information Accountability Foundation IAF). We stand for protecting people &#8211...

5

community banks | lumenous

https://blog.lumeno.us/tag/community-banks

Archives for posts with tag: community banks. What small business lenders want . . . August 26, 2013. We’ve written about bank criteria for lending to small businesses but there’s nothing like getting it straight from them. This is a summary of a great piece from Chris Nichols. To read the original post, click here. 1 Be clear what you need and why. 2 Underscore quality of the team. 3 Be prepared with transaction details. I’m just going to quote Chris:. Our common advice to companies is when talking to y...

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lumenous.net

Framework

http://www.lumenous.net/framework.html

Would you like to help our community grow? Sign up to join and nominate your favorite banker for our Honor Roll below. You can use the form to the right to identify the name and e-mail address of your nominee or send us suggestions on new or different criteria. Committed to understanding your business and goals. Make it easy to do business with the bank. More interested in helping you succeed than judging you. Here are the criteria for joining our bankers' honor roll:. Thank you for contacting us! Bring ...

lumenous.net

Home

http://www.lumenous.net/home.html

And use data to build trust today. To turn data into unprecedented value. To democratize access through data. Imagine if credit bureaus were entirely user-centric. Businesses would create and share credit profiles on their own terms. Creditors would ask permission to view them. That's the power of harnessing data to form stories rather than scores, in order to deepen trust in our most important relationships. Because a business is more than a score". Their participation in capital and commerce.

lumenous.net

Members

http://www.lumenous.net/members.html

Personal Data Ecosystem Consortium. One Pacific Coast Bank. The Commerce Bank of Oregon. Lewis and Clark Bank. Jon brings 32 years of software marketing, technical and general management skills, specializing in go-to-market strategies and business development across broad ecosystems. Jon is a consultant and author at Georgian Partners, a growth equity firm investing in expansion stage companies that are exploiting Applied Analytics: the convergence of Cloud-based business solutions, Bit Data, and bro...

lumenous.net

Consulting

http://www.lumenous.net/consulting.html

BIG DATA ARCHITECTURE, REGULATIONS AND ETHICS. The Lumenous team developed a comprehensive approach to managing data privacy by necessity. For the owners of small businesses, almost nothing is more sacred and sensitive than the data used to determine whether or not they are worthy of credit and trust. Yet the best way to replace black box scoring in commercial credit was empowering them to share that sensitive data. DATA PRODUCTS AND SERVICES. INTERDISCIPLINARY TEAM DEVELOPMENT AND MANAGEMENT. Privacy po...

lumenous.net

Resources

http://www.lumenous.net/resources.html

OIX not only stands out as a leader in trust frameworks but also is the first to actively promote and support the efforts of startups, like Lumenous, that are innovating in emerging data architectures and business models grounded in trusted online exchanges," said LaVonne Reimer, Founder and CEO of Lumenous. Open Identity Exchange Welcomes New Members Lumenous, KPMG and Others. The 11 Principles of Applied Analytics. The New SBA Credit Score Made a Splash - Just Not as Intended. Georgian Partners has dev...

lumenous.net

Solution

http://www.lumenous.net/solution.html

With big data comes big power. We bring a unique blend of technology, business, and ethics experience to help our clients use that power wisely and profitably, whether or not they deploy our program. Our proprietary system and methodology ensure all our users have a safe and secure experience while gaining unprecedented visibility into credit practices and insights into small business performance. With Lumenous, people can safely and securely collect and share real-time data from diverse sources.

lumenous.net

Community

http://www.lumenous.net/community.html

Here you can find papers, videos and links to great content from community members on topics such as the 5 C's of Creditworthiness, data privacy, self-regulating communities, and more. Learn more about our model for building and managing community around economic objectives such as financing or operating a business network based on common goals and mutual trust. Scores of credit analysts and data scientists from across commercial credit joined us to define a new system of credit and trust.

lumenous.net

Trust networks

http://www.lumenous.net/trust-networks.html

A trust network is a group of people connected by similar ties and interests that may be placed at risk by the mistakes and malfeasance of one individual; But it also builds to enormous value when they collectively agree to engage each other according to shared values. Lumenous allows businesses and creditors to form single or multiple trust networks with each other to share data and collectively drive greater transparency and fairness into credit practices. Creating a Trust Network. Financial partners l...

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Blog Lume Apps - Conheça as novidades do melhor criador de Aplicativos!

Conheça as novidades do melhor criador de Aplicativos! Recurso Web Page: toda a internet dentro do seu App. 14 de agosto de 2015. Lume Apps não cansa de evoluir para criar mobile apps cada vez mais sensacionais! Recentemente lançamos o recurso de Web Page que você pode usar como uma aba coringa e colocar nela praticamente qualquer conteúdo disponível na internet dentro do seu app! Você só precisa de um único e simples endereço URL e mais nada! No caso de e-commerce, você mostrar todos os itens à venda na...

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Seja bem vindo ao nosso blog! Nathalia e Jefferson = Flora. November 7, 2016. Tags: Ensaio de gestante. No ano passado, nós tivemos por aqui a melhor notícia, com as melhores esperanças: a Nathalia estava grávida! Nossos dias ficaram então muito mais felizes à espera da nossa Flora. Um momento tão esperado pela Nathalia e o marido, e por mim que tenho a Nathalia como uma irmã. Estava louca pra ter essa sobrinha :). As fotos com a convidada ilustre já já chegam por aqui. August 18, 2016. Eles se casaram e...

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Lumen Livraria Católica | Aproximando você de Deus dia-a-dia

Aproximando você de Deus dia-a-dia. Santa Rita de Cássia. Aquela que no futuro seria conhecida como. A advogada dos desesperados. Nasceu em 1381 no vilarejo de Roccaporena, na região de Cascia, na Úmbria (centro da Itália). Seus pais – Antonio Mancini e Amata Ferri – formavam um casal exemplar, e gozavam de fama de reconciliadores pela habilidade que tinham em desfazer inimizades e pôr fim a. Que depois foi carinhosamente reduzido para apenas “Rita”. Infância e adolescência de Rita. Certa ocasião Rita re...

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Lumen Learning - Blog

Success Story: Salt Lake Community College. Success Story: Mercy College. Success Story: Tidewater Community College. OER Adoption Impact Calculator. Lumen in the News. Of Sunlight, OER, and Lumen. At the same time, I’ve been thinking about how to answer several questions I’m often asked. People who don’t work directly with Lumen sometimes have a hard time understanding what we do, and this leads to a range of confused questions like, What does Lumen. How can you sell OER if they’re free? Over the last s...

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lumenous

When the lines between consumer and business blur. February 8, 2017. This is day two of a conference in San Francisco. On the broad topic of Capitalism at the Crossroads. It came to my attention via this post from Fred Wilson. Of Union Square Ventures. Today Fred writes about a panel he’s moderating. On how globalization and outsourcing are changing the future of labor. It triggers a concern on my mind a lot and one I’ve written about before. Small biz, small bank synergy is real! January 29, 2017. 8220;...

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Lighting, Design & Home Decor Blog | Design Matters by Lumens

How to Deal with Difficult Garden Spaces. How to Brighten Your Living Spaces with Color. 10 Bucket List Destinations for Great Design. Design Quiz: So, You Think You Know About Design? Micro/Macro Design: Charles Ray Eames. City Farmhouse Style: Urban Industrial Meets Rustic Modern. While the “Modern Farmhouse” design style is still quite popular, many top lighting. How to Get the Light Right for Different Kitchen Layouts. Lights, Colors, Action: How to Pick Paint Colors to Match Your. How to Light Up (a...

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Optimal Security: The Lumension Blog

Logjam vulnerability – what you need to know. May 20th, 2015. Independent Computer Security Analyst @gcluley. Researchers discover a new attack against encrypted communications on the internet. Buying Exploits for Zero-Day Vulnerabilities. May 18th, 2015. Director, Product Management. Nope, Patch Tuesday Has Not Gone Away: It’s a Monster May. May 12th, 2015. Independent Computer Security Analyst. Is your graphics card hiding a rootkit or keylogger? May 12th, 2015. And should we be concerned? It seems you...

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Voice of Lumesse

Agile Learning Research - click here. CIPD report shows digital learning on the increase. Shows digital learning is on the increase:. Three-quarters of organisations now use technology for learning;. Most anticipate an increase in their use of learning technologies;. A third of organisations have increased their investment in learning technologies over the last year. Over 53% of attendees felt that there was indeed a real problem. You can read more about this research, and the findings of our think t...

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Tales from the Perimeter

Securing Personal Health Information. Continuous Diagnostics and Mitigation. CIS Critical Security Controls. A Sense of Security Blog. Cisco 2017 Midyear Cyber-security Report. Securing Personal Health Information. Continuous Diagnostics and Mitigation. CIS Critical Security Controls. A Sense of Security Blog. Cisco 2017 Midyear Cyber-security Report. A Sense of Security Blog. Lumeta Debuts New Cloud Security Capabilities for Azure and AWS. March 14, 2018 12:51 PM. February 21, 2018 10:43 AM. Frost and S...

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Lumetra Healthcare Solutions

HITSS Health Information Technology Support Services. Accreditations & Designations. Lumetra Healthcare Solutions Health Information Technology Support Services. A customizable suite of services that will help you optimize HIT, increase efficiencies, maximize incentive payments and improve patient care. 550 Kearny Street, Suite 300. San Francisco, CA 94108.