All posts by Tricia Reynolds
Predict Customer Behavior; No Crystal Ball Needed...
Consumer behavior is constantly evolving — from the channels they prefer to the economic trends spurring varying interest and activity. It’s no surprise that...
Stop Trying to Collect from Synthetic Identities...
Friend or foe? Sophisticated criminals put a great deal of effort into creating convincing, verifiable personas (AKA synthetic identities). Once the fictional customer has...
What to Expect When You’re Expecting Fraud...
You can do everything you can to prepare for the unexpected. But similar to how any first-time parent feels… you might need some help....
Your Keys to Unlocking Debt Management Success...
Debt management is becoming increasingly complex. People don’t answer their phones anymore. There are many, many communication channels available (email, text, website, etc.) and...
Data-Powered Digital Transformation...
Many may think of digital transformation in the financial services industry as something like emailing a PDF of a bank statement instead of printing...
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...
Three 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...