The Good and Bad of Buy Now, Pay Later

Buy Now, Pay Later (BNPL) programs are nothing new, but the resurgence of installment-based programs in the early 2020s has generated interest not seen since the Great Depression. With retailers and third-party vendors alike getting into the BNPL business, it’s worth thinking through the ways these programs can benefit consumers, as well as the risks … More The Good and Bad of Buy Now, Pay Later

Lessons Learned from Management Consulting at ZS

I’ve passed the 2-year mark at ZS, and I’m thankful for getting to learn and grow from various colleagues and projects. At my work-from-home setup, in the offices and client sites, and on the top floor of the famous Skokie DoubleTree, I’ve have the opportunity to make things happen at the intersection of analytics and … More Lessons Learned from Management Consulting at ZS

Bad Startups

Since I arrived in Silicon Valley to start my freshman year of college, I’ve seen generations of startups grow from small teams with big ideas into billion-dollar behemoths creating large-scale change. Along the way, I’ve also seen startups on the opposite spectrum: fads, “first world problems” to the nth degree, and in some cases, dangerous … More Bad Startups