Yahoo Finance
Goldman Sachs had a record year serving people who are already rich
The giant bank's full-year results show the wealthy getting wealthier, including the banks' shareholders
Quartz 
Spotify unveils third price increase in three years for U.S. subscribers
Action comes just under two months after analysts warned it was brewing, follows increases in other countries
5 Psychology-Backed Principles for More Effective Personalization
Managed sensitively and securely, “confessional commerce” can create a deeper, more valuable experience for users.
Harvard Business Review