All posts by Tricia Reynolds
Credit card insights...
With credit card openings and usage increasing, now is the time to make sure your financial institution is optimizing its credit card portfolio. Here...
3 types of alternative credit data...
25% of U.S. consumers are considered “thin file” because they have fewer than 5 items in their traditional credit histories. By adding information from...
Stepping up authentication...
Identity-related fraud exposure and losses are increasing, and the underlying schemes are becoming more complex. To make better decisions on the need for step-up...
Consumers are getting smarter about credit scores...
Consumer credit scores A recent survey* released by the Consumer Federation of America and VantageScore Solutions, LLC, shows that potential borrowers are more likely...
Safe customers = happy customers...
Keeping your customers happy is critical to success. And while reducing fraud is imperative, it shouldn’t detract from a positive customer experience. Here are...
Fraud protection and consumer views...
Believe it or not, 66% of consumers want to see some visible signs of security and barriers when accessing their accounts so they can...
How to enter a new market...
Business guide to new markets Competition is fierce. Expectations are high. Navigating a new market can be profitable — if managed strategically. Consider these...
Understanding validation samples...
When developing a risk model, validation is an essential step in evaluating and verifying a model’s predictive performance. There are two types of data...
Regulatory considerations when going digital...
There’s no question today’s consumers have high expectations. As financial services companies wrestle with the laws and consumer demands, here are a few points...
Using data to overcome challenges...
Data can be a powerful tool. But the key to data isn’t just accessing it. It’s interpreting it — and using it to make...
Not all Synthetic ID fraud is the same...
Although it’s hard to imagine, some synthetic identities are being used for purposes other than fraud. Here are 3 types of common synthetic identities...
Making the case for identity verification technology...
The business case for identity verification and risk assessment tools is most compelling when it includes a broad range of both direct and indirect...
Insights from the start of 2018...
The economy remains steady, maintaining a positive outlook even though the GDP growth slowed in the first quarter. Real estate is holding ground even...
Top trends shaping identity verification in 2018...
Identity verification trends With the lack of face-to-face interaction online, the ability to recognize legitimate customers is more important than ever. Here are 3...
Is that consumer a good or bad credit risk?...
According to our recent research for the State of Alternative Credit Data, more lenders are using alternative credit data to determine if a consumer...