If you’re into the technical side of finance, odds are that you’ve heard of blockchain. If not, don’t worry. You can catch up. In a nutshell, it’s a digital ledger of records, arranged in data batches or blocks that are …

For one thing, it has become the norm—everyone, from individuals to global brands, is moving to the cloud. For another, it is loaded with benefits.

Nearly everyone has been offered an introductory incentive to open a financial services account of some kind. The ubiquity of those offers led Mohammad Nejad and Sertan Kabadayi, two Gabelli School of Business marketing professors, to ask the questions: Do …