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White Papers from Decision Analytics

White PapersDecision Analytics publishes regular White Papers on industry-relevant topics and issues. Click on a white paper below for more information. To download any of the applicable research, please submit the form at the bottom of the page.

2015 White Papers
  • The New Customer Experience (January 2015)
  • Consumer expectations are changing rapidly, and there has never been a better time to create a more customer-centric organization. But companies need to do more than simply survey customers and develop new strategies. They need to take aggressive steps to develop an in-depth understanding of their customers, then develop and implement a comprehensive customer experience program.

2014 White Papers
  • Protecting the Customer Experience (October 2014)
  • Fraud continues to grow and evolve, affecting consumers, businesses and agencies alike. As technologies evolve and information security tightens, the savvy nature of fraudsters becomes more sophisticated. Fraudsters are continually striving to be one step ahead of the next fraud-prevention strategy. As consumers move from face-to-face interaction to online and mobile transactions, there is a pressing need for more elaborate and accurate fraud prevention.

  • Compliance as a Differentiator (May 2014)
  • The number of regulations imposed on financial institutions has grown significantly over the past five years, and the level of complexity behind each regulation is high, requiring in-depth knowledge to implement and comply. Lenders have to understand the full complexity of both national and international regulations, so they can find the unique balance to meet compliance obligations while identifying profitable business opportunities.

2013 White Papers
  • The state of data quality (September 2013)
  • This white paper evaluates the perception of how data across organizations is changing. Poor data quality is having a negative effect on budgets, marketing efforts and most importantly, customer satisfaction. Organizations that are not able to control the quality of their data are unable to effectively communicate with their customer base.

  • Debunking the business of analytics (September 2013)
  • This white paper evaluates the concept of how big data and business intelligence has eluded some companies for quite a while. In addition to the increase in volume, businesses struggle with a high level of data inaccuracies, a lack of customer information and flexibility in data systems. Without an accurate, complete and accessible view of the customer, businesses have no hope of gathering meaningful insight.

  • Price optimization in retail consumer lending (April 2013)
  • This white paper evaluates how price optimization not only delivers improved profitability, but also provides the business with a better understanding of the overall business performance. For many organizations, the real benefits are gained through improved operational and financial management and the ability to respond to changing economic and competitive environments more dynamically.

  • Applied U.S. debit card marketing tactics to the Russian Federation market (March 2013)
  • This white paper offers retail bank strategists within all markets a road map of how to stimulate consumer noncash transaction revenue by actively marketing the use of electronic payment forms such as the payroll account debit card. These strategists are primarily focused on increasing bank revenue by means of increased transaction volumes or introduction of new value-added fees to consumers. This paper draws upon an example between two markets – U.S. and the Russian Federation – to illustrate the impact of these applied debit tactics.

2012 White Papers
  • Implementing differentiated customer-centric strategies: Retail-banker-friendly strategy development that resonates with your customers and shareholders (Oct 2012)
  • Service organizations frequently cite superior customer management as a key differentiator when trying to attract new clients and retain current customers. Banking operations practices such as checking product fee assessment and waiver policies, time deposit rate exception policies; holistic customer-level risk management scoring and customer servicing strategies are all a part of retail banks' daily customer management processes. This white paper proposes a framework to design and deploy holistic customer-centric strategies that synthesize systems of record (SOR) information and qualitative banker insights that are critical to customer experience. It is intended to be a roadmap for retail banking strategists within centrally managed strategy teams.

  • VantageScore: Assume the role of managing your credit prudently and watch your credit score improve (July 2012)
  • The three numbers that make up a credit score have become an obsession to some people. But what’s really important is how you manage your credit. Most credit score models are simply a measure of likelihood that you will default on a loan payment, which is defined as being more than 90 days delinquent or “past due.” Lenders use your credit score in conjunction with other criteria to help determine whether to approve your credit, ranging from a mortgage to a credit card, and what interest rate and terms to offer you.

  • Driving profitability and minimizing risk through portfolio management (May 2012)
  • Today’s small business lending portfolios reflect the improving economy, and differ from those during the recession. This "change is constant" reality explains why portfolio managers must look much more closely at the loans and the behaviors of their small-business owners to help identify fraudulent activity and other problems and, ultimately, to drive profitability and reduce risk. This white paper explores how, through portfolio management, a risk manager can drive profitability, minimize risk and detect fraud.

  • State of the US Credit Markets (May 2012)
  • The economy’s recovery from the Great Recession may have started slowly, but it is accelerating — and it’s genuine. For credit issuers, now’s the time to look with fresh eyes at your post recession lending strategies. It’s time to rethink your approach to growth in this market and reassess the profile of the consumer prospect in relation to profitability and market share gains.

  • Fraud detection in newly opened accounts (May 2012)
  • Fraud continues to be a genuine threat and challenge. After a sharp and unexplained drop in identity thefts in 2010, fraud schemes climbed 12.6 percent in 2011. This paper explores how to help detect identity theft and other fraud, how data velocity can prove the key to predicting identity theft, and still deliver a strong and quick return on investment.

  • VantageScore Solutions 2011 Annual Validation (Feb 2012)
  • The following three papers provide an overview of a recent validation of VantageScore 2.0's performance to measure predictiveness in a variety of contexts and environments.

    • Affirms Model’s Predictive Power for the Mortgage Industry
    • Affirms Model’s Predictive Power for the Credit Card Industry
    • Affirms Model’s Predictive Power for the Auto Finance Industry
    • Access the report
2011 White Papers
  • VantageScore Credit Score Basics (Oct 2011)
  • VantageScore Solutions, LLC has prepared three white papers containing some of the most basic information about credit scores. In an effort to have this information become broadly known, and help everyone become smarter about credit scores.

    • Part 1: What’s Behind Credit Scores?
    • Part 2: An Overview of Ways Lenders Use Credit Scores for Credit Approval
    • Part 3: Achieving the Same Risk Interpretation from Different Models with Different Ranges
    • Access the reports
  • Reserve Fund Mortgages (Sep 2011)
  • Home prices have been rising sharply in booming economies, raising fears in each of these countries of a real estate bubble of their own. While various risk offsets exist, there is a strong incentive in each of these nations to continue to take protective measures now to avoid potential hosuing-bubble and burst scenarios like those experienced elsewhere. 

  • Improving decisions across the Customer Life Cycle (Jun 2011) (Click here to access this report)
  • With demands growing, resources tight and rapid return on investment (ROI) the name of the game, companies must be able to eliminate this diversion and focus fully on the quality and business impact of their decisions. They need a way to connect and streamline how they design decisioning strategies, bring them into production, and measure and learn from the results. The whole process has to become quicker, thoroughly flexible and dynamic. It must be easier and more collaborative for participants and less costly and more rewarding for the enterprise.

  • First Party Fraud (May 2011)
  • Focus is increasing on detection and management of first party fraud — fraud perpetrated when consumers apply for credit without intending to fulfill their payment obligations. Although first-party fraud rates have stayed fairly level over the past few years, the problem is still significant. This emphasis is driving the need for more standard operational definitions across the industry to improve detection efforts.

  • A year for action (May 2011)
  • A year late, the United States is beginning to turn the corner to expanded recovery in the consumer credit markets. Yet 2011 promises to be a bumpy year. While lenders cautiously extend credit, delinquencies slow, auto sales climb and general economic conditions improve, the jobless rate remains high for many and the housing market remains unstable. The strategies lenders enacted in 2009 to stem losses and lessen risk still tend to curb loan growth.

2010 White Papers
  • Understanding changes in credit supply and demand (Apr 2010)
  • In 2009, the U.S. economy experienced a record drop in consumer borrowing. The contraction in lending has been largely attributed to consumers reducing leverage, or "consumer deleveraging." Experian tracked a sample of credit-active consumers to show that consumer deleveraging has occurred and the demand for credit has declined.


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