Data & Analytics

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A Unique Approach to Reject Inference Design...

You’ve been tasked with developing a new model or enhancing an existing one, but the available data doesn’t include performance across the entire population...

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The questions card portfolios should address in the po...

Early reports suggest the 2017 holiday season was a good one for retailers. Consumers were in the mood to spend, and as such, Americans’...

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How collectors can anticipate who will use tax refunds...

As soon as the holiday decorations are packed away and Americans reign in the New Year, the advertisements shift to two of our favorite...

Read More How collectors can anticipate who will use tax refunds to pay down debt
Use of Swap Sets to Measure Impact of Model Changes...

You just finished redeveloping an existing scorecard, and now it’s time to replace the old with the new. If not properly planned, switching from...

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Demystifying alternative data...

Alternative Data Shedding New Light on Consumers Why Investors Want Alternative Data Banks and Tech Firms Battle Over Something Akin to Gold: Your Data...

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Expert insights on the state of retail in 2017 and bey...

As we enter the holiday season, headlines abound around the shifts and trends in retail. How are consumers shopping? What are they buying online versus...

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What lenders can learn from their customers’ car...

If someone asked you for stats on your retail card portfolio, would you respond with the number of accounts? Average spend per month? Or...

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Should social media be used as a factor in credit deci...

In 2017, 81 percent of U.S. Americans have a social media profile, representing a five percent growth compared to the previous year. Pick your...

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Putting Customer Experience at the core of your debt c...

We regularly hear from clients that charge-offs are increasing and they’re struggling to keep up with the credit loss. Many clients use the same...

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The State of Student Loan Debt in 2017...

School is nearly back in session. You know what that means? The next wave of college students is taking out their first student loans....

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Is there really a student loan debt crisis?...

There’s no shortage of headlines alluding to a student loan crisis. But is there a crisis brewing or is this just a headline grab?...

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Trusted data is paramount for digital identity verific...

We live in a digital world where online identities are ubiquitous. But with the internet’s inherent anonymity, how do you know you’re interacting with...

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How lenders can win with a data-driven credit marketin...

Many institutions take a “leap of faith” when it comes to developing prospecting strategies as it pertains to credit marketing. But effective strategies are...

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The need for more inclusive data sources...

CFPB and credit invisibles A recent study by the Consumer Financial Protection Bureau (CFPB) found that American consumers establish credit differently depending on their...

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Using trended data for deeper lending...

Historical data that illustrates lower credit card use and increases in payments is key to finding consumers whose credit trajectory is improving. But positive...

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