Credit Lending
How to Kick Off the Season for Swiping (Credit Cards)...
The winter holiday festivities are underway, and when it comes to the local malls, the holiday spending spirit seems to have already been in...
I Can See Clearly Now: 4 Myths of Alternative Credit D...
Every morning, I wake up and walk bleary eyed to the bathroom, pop in my contacts and start my usual routine. Did I always...
Alt Data Use by Fintechs: Q&A with Gavin Harding ...
Picking up where we left off, online fintech lenders face the same challenges as other financial institutions; however, they continue to push the speed...
Alt Data Use by Fintechs: Q&A with Gavin Harding ...
Fintechs seem to be the new Joneses. Everyone’s trying to keep up. I sat down with Gavin Harding, Senior Business Consultant with Experian Advisory...
In lending as in baseball, Moneyball is no lon...
In 2011, data scientists and credit risk managers finally found an appropriate analogy to explain what we do for a living. “You know Moneyball?...
Machine learning and Extreme Gradient Boosting...
This is an exciting time to work in big data analytics. Here at Experian, we have more than 2 petabytes of data in the...
Fintechs: Thinking of Partnering with Other FIs?...
There’s no shortage of buzz around fintechs shifting from marketplace challengers to industry collaborators. Regardless of fintech’s general reputation as market disruptors, a case...
The Evolution of FinTech: Marketplace Challenger to In...
Fintechs take on banks, technology, and finance as we know It. In the credit space, their reputation as a market disruptor precedes their definition. But...
Personal Loans: Fueled by Fintech...
Unsecured lending is increasing. And everyone wants in. Not only are the number of personal loans increasing, but the share of those loans originated...
Getting Beyond the Binary to Solve the Business Proble...
If your company is like many financial institutions, it’s likely the discussion around big data and financial analytics has been an ongoing conversation. For...
Is Big Data a Big Problem?...
Big Data is no longer a new concept. Once thought to be an overhyped buzzword, it now underpins and drives billions in dollars of...
9 Ways to Make Hispanic Engagement Part of Your Credit...
With Hispanic Heritage Awareness Month underway and strategic planning season in full swing, the topic of growing membership continues to take front stage for...
What is Alternative Credit Data?...
Last Updated: January 2019 Traditional credit data has long been the end-all-be-all ruling the financial services space. Like the staple black suit or that...
Machine learning for real-world credit risk...
Machine learning (ML), the newest buzzword, has swept into the lexicon and captured the interest of us all. Its recent, widespread popularity has stemmed...
Something Millennials Haven’t Killed?...
Millennials have been accused of “killing” a lot of things. From napkins and fabric softener to cable and golf, the generation which makes up...