Microsoft’s Innovation Problem, Wall Street’s Steady Shoeshine Business, Is Social Data the New Credit Score?

The CEO who succeeds Steve Ballmer at Microsoft will have to steer company culture towards innovation, say current and former Microsoft employees and industry analysts.

The companies may claim otherwise, but it is likely that the recipes for Coca-Cola and Twinkies have undergone a few changes since their invention, considering that the shelf life of a Twinkie has nearly doubled since a year ago.

Lending companies are beginning to use social media data to determine the risk of a loan, reasoning that if your friends are frequently late in paying loans, you would be too.

Is the shoeshine business one of the most stable parts of Wall Street culture?

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