Rapid Decisioning

[Webinar] Meeting the model risk governance expectations of regulators

Posted on Feb 11 2014 by

Financial institutions of all sizes increasingly rely on quantitative analytics and modeling for a wide array of financial decision making, including, but not limited to, the underwriting of loans; measuring risk, including enterprise-wide risk measurement; and determining capital and reserve adequacy.


Marketing Intelligence Shows Consumer Retail Spending is Trending Upward

Posted on Apr 30 2012 by

Jim Rohn once said, “Your life does not get better by chance, it gets better by change.”

According to recent market intelligence, retail spend continues to trend up, translating into increased balance growth on new bankcard and retail card originations.

Retail spend continues to trend up from a year ago driven by continued demand for autos in addition to growth in clothing store and restaurant sales. Translating into increased balance growth on new bankcard and retail card originations, particularly seen in the super prime and prime consumer risk segments, where balance growth and origination volumes had been down a year ago given relatively cautious sentiment. This is an encouraging sign in consumer confidence given the overall economic trends in unemployment and downward pressure on home prices.