All posts by Tricia Reynolds

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

Read More Is that consumer a good or bad credit risk?