Credit Lending
Recently, I shared articles about the problems surrounding third-party and first-party fraud. Now I’d like to explore a hybrid type – synthetic identity fraud...
2020 is finally over – been there, done that. And while it seems safe to say most everyone is all too eager to kick...
No two customers are the same. That’s why it’s important to go beyond the traditional credit score for a closer look at each consumer’s...
It’s clear that the digital transformation we experienced this year is here to stay. While there are many positives associated with this transformation –...
Financial services companies have long struggled to make inclusive decisions for small businesses and for low- and moderate-income consumers. One key reason: to make...
The shift created by the COVID-19 pandemic is still being realized. One thing that we know for sure is that North American consumers’ expectations...
In what has been an unprecedented year, marked by a global pandemic and a number of economic and personal challenges for both businesses and...
The CU Times recently reported on a nationwide synthetic identity fraud ring impacting several major credit unions and banks. Investigators for the Federal and...
As industry experts are still unsure when the economy will fully recover, re-entry into marketing preapproved credit offers seems like a far-off proposal. However,...
Big data is bringing changes to the way credit scores are reported and making it easier for lenders to find creditworthy consumers, and for...
Changing consumer behaviors caused by the COVID-19 pandemic have made it difficult for businesses to make good lending decisions. Maintaining a consistent lending portfolio...
As subprime originations decrease, some think that subprime consumers are being locked out of the automotive finance market, but that’s not the whole s......
This is the fourth in a series of blog posts highlighting optimization, artificial intelligence, predictive analytics, and decisioning for lending operations in times of extreme uncertainty....
Since the start of the COVID-19 health crisis, gross domestic product (GDP) has continued to fall in the U.S. In fact, the GDP collapsed...
In 2015, U.S. card issuers raced to start issuing EMV (Europay, Mastercard, and Visa) payment cards to take advantage of the new fraud prevention...