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Using data to understand customer preferences

Posted on Apr 27 2015 by

In today’s data driven world, decisioning strategies can no longer be one-dimensional and only risk-focused. By employing a multidimensional decisioning approach, companies can deliver the products and services customers need and want.

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Authentication through device intelligence

Posted on Apr 23 2015 by

With more than one-third of customers interacting with a single business in five or more channels and more than 85 percent of consumers using online or mobile to conduct business, omnichannel fraud prevention has become a necessity. Implementing a layered approach to authentication and integrating device intelligence into the process to associate a consumer with […]

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Bankcard utilization increases dramatically for lower tiers

Posted on Apr 21 2015 by

While the average bankcard utilization rate hovered around 20% during the last quarter of 2014, utilization rates can vary greatly when analyzed by VantageScore® credit tier.

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Gift cards continue to increase in popularity

Posted on Apr 16 2015 by

Gift cards are the most requested gift item and have been for the last eight years. Merchants love gift cards because they take up very little space and the recipient often ends up spending more than the value of the gift card.

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Balance transfers: a profitable opportunity

Posted on Oct 17 2014 by

Card-to-card balance transfers represent a substantial profit opportunity for lenders.

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The diversity of technology complicates customer authentication

Posted on Oct 09 2014 by

According to a recent 41st Parameter® study, 85 percent of consumers use online or mobile channels to conduct business.

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Delinquencies fall as bankcard originations continue growth trend

Posted on Aug 11 2014 by

While bankcard originations increased 26 percent year over year to $85.3 billion in Q2 2014, delinquencies continued their downward trend, reaching 0.47 percent of balances — an 8 percent decline year over year.

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Welcome to Credit Cornerstone!

Posted on Mar 01 2012 by

This content of this page is produced from Credit Cornerstone Newsletter which focuses on credit trends and data intelligence. Interested in receiving our weekly Credit Cornerstone Newsletter? Sign up here!

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