Credit Lending

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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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Can social media predict credit behavior?...

With 81% of Americans having a social media profile, you may wonder if social media insights can be used to assess credit risk. When...

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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...

Read More What lenders can learn from their customers’ card transactions
The struggle is real...

Our national survey found that consumers struggle to find a credit card that meets their needs. They say there are too many options and...

Read More The struggle is real
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...

Read More Putting Customer Experience at the core of your debt collection strategy
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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Consumer Credit Default Indices...

The economic expansion just passed the eight-year mark, and consumer credit defaults across mortgages, bankcards and auto loans are at pre–financial crisis levels. More...

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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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Financial health trends in America...

1 in 10 Americans are living paycheck to paycheck Financial health means more than just having a great credit score or money in a...

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Student loan debt — headline or headache?...

School’s out, and graduation brings excitement, anticipation and bills. Oh, boy, here come the student loans. Are graduates ready for the bills? Even before...

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Credit union loan performance...

The State of Credit Unions 2017 In the financial services universe, there is no shortage of players battling for consumer attention and share of...

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First wave of Gen Z entering credit ranks...

Millennials have long been the hot topic over the course of the past few years with researchers, brands and businesses all seeking to understand...

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Real-time credit decisions: Putting big data to work...

Call it big data, smart data or evidence-based decision-making. It’s not just the latest fad, it’s the future of how business will be guided...

Read More Real-time credit decisions: Putting big data to work