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We produce original research, market analysis, and practical guides across business, technology, and public policy. Most sites in our position would sell you a newsletter here. We would rather just hand you the work: clear, sourced, written by people who read the footnotes on purpose.
Recent work
Buy Now, Pay Later Loans Are on Your Credit File. Almost Nobody Is Using Them
FICO built credit scores that read Buy Now, Pay Later loans in 2025. A year later, the data is flowing but almost no lender is using the score.
Read the piece →AI Search Summaries Are Eating Publisher Clicks: Here Is What the Numbers Actually Show
A widely cited figure says AI Overviews cut clicks by 58 percent. That number comes from a lawsuit, not from Google. Here is where each stat in this fight actually comes from.
Read the piece →What Is Agentic AI? What 'AI Agents' Actually Do in 2026
Every vendor now sells AI agents. Here is what agentic AI actually means, what these systems can and cannot do yet, and how to tell a real agent from a chatbot wearing a new hat.
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