Technology has been changing lives since the development of the wheel. But Scott Nelson argues that it is only a means — not an end — for users and customers that only improves their experiences when empathy is applied and problems that matter are solved.

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The challenges of early 2020 have come full circle in 2023. The boon of originations over the past 30 months combined with rapidly increasing interest rates and a looming recession have made 2023 the Year of the Portfolio.

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