Technology, after integrity, offers the best hope of dispassionately solving the conundrum of balancing risk with return. And if technology can be combined with wisdom and the desire to build a societal benefit and then inculcated into one’s investment thesis and subsequent products, then perhaps—just perhaps—investing can serve all masters well and move beyond the uninviting and binary landscape where winners necessitate a ready supply of willing losers.

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Arcadia’s embrace of technological innovation, most readily evidenced by our development of software designed to efficiently identify, purchase and track/manage consumer debt, is based on the recognition that the path of disintermediation of financial services is unlikely to be reversed. It will undoubtedly evolve given the pressures of the economy, regulation and competition, but it will not stop now that it has found acceptance in the consumer sphere.