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Incentives and Loan Terms: Making Vehicles Affordable ...

Consumers are taking advantage of new car incentives, low interest rates and longer-term loans in order to ensure that their vehicle purchase is manageable.......

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2020 State of Alternative Credit Data...

Big data is bringing changes to the way credit scores are reported and making it easier for lenders to find creditworthy consumers, and for...

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Insight into the Market Leads the Way to Pandemic Reco...

Staying ahead of the trends and adjusting will support sales growth, while also supporting consumers as they begin to recover from the impact of......

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Q&A Perspective Series: Effective Decisioning Dur...

Changing consumer behaviors caused by the COVID-19 pandemic have made it difficult for businesses to make good lending decisions. Maintaining a consistent lending portfolio...

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Subprime Borrowers Locked Out of Loans? That Might Not...

As subprime originations decrease, some think that subprime consumers are being locked out of the automotive finance market, but that’s not the whole s......

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Responding to and Recovering from the COVID-19 Recessi...

This is the fourth in a series of blog posts highlighting optimization, artificial intelligence, predictive analytics, and decisioning for lending operations in times of extreme uncertainty....

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Tracking State-Level Recoveries...

Since the start of the COVID-19 health crisis, gross domestic product (GDP) has continued to fall in the U.S. In fact, the GDP collapsed...

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Synthetic Identity Fraud and COVID-19...

In 2015, U.S. card issuers raced to start issuing EMV (Europay, Mastercard, and Visa) payment cards to take advantage of the new fraud prevention...

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Auto Industry Rebounds, Despite Early COVID-19 Challen...

The early assessment for the automotive industry is that despite significant challenges at the onset of the pandemic, the industry continues to...

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Collections Is a Race, Not a Battle: Pre-Delinquent St...

Achieving collection results within the subprime population was challenging enough before the current COVID-19 pandemic and will likely become more difficult now that the...

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Q&A Perspective Series: How to Collect When You’r...

New challenges created by the COVID-19 pandemic have made it imperative for utility providers to adapt strategies and processes that preserve positive customer relationships...

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Global Insights Report: Changing Consumer Behaviors an...

The COVID-19 pandemic created a global shift in the volume of online activity and experiences over the past several months. Not only are consumers...

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Audio: Support Your Borrowers and Reduce Portfolio Vol...

In today’s uncertain economic environment, the question of how to reduce portfolio volatility while still meeting consumers’ needs is on every lender’s mind.  With...

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The State of the Economy in July 2020...

As the COVID-19 pandemic continues to create uncertainty for the U.S. economy, different states and industries have seen many changes with each passing month....

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How Will COVID-19 Impact Consumers’ Payment Prio...

Do consumers pay certain types of credit accounts before others during financial distress? For instance, do they prioritize paying mortgage bills over credit card...

Read More How Will COVID-19 Impact Consumers’ Payment Priorities?