Credit Lending
Credit Cards in a Credit Union Portfolio...
Credit cards are the most widely available credit products offered to millions of consumers today. For many consumers, owning a credit card is a...
Solving the Fraud Problem: What is Synthetic Identity ...
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...
2021 Trends for Financial Services...
2020 is finally over – been there, done that. And while it seems safe to say most everyone is all too eager to kick...
Guide to Going Beyond the Credit Score...
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...
North America Trends Report...
It’s clear that the digital transformation we experienced this year is here to stay. While there are many positives associated with this transformation –...
Solving the Fraud Problem: What is First-Party Fraud?...
A few weeks ago, I shared the first in a series of articles about understanding the different types of fraud and how to solve...
How Cloud Computing Will Drive Financial Inclusion...
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...
North America Insights Report...
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...
State of Credit 2020: Consumer Credit During COVID-19...
In what has been an unprecedented year, marked by a global pandemic and a number of economic and personal challenges for both businesses and...
Stopping Synthetic Identity Fraud Before It Starts...
The CU Times recently reported on a nationwide synthetic identity fraud ring impacting several major credit unions and banks. Investigators for the Federal and...
Prescreen Marketing in Today’s Economic Environm...
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,...
2020 State of Alternative Credit Data...
Big data is bringing changes to the way credit scores are reported and making it easier for lenders to find creditworthy consumers, and for...
Q&A Perspective Series: Effective Decisioning Dur...
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...
Subprime Borrowers Locked Out of Loans? That Might Not...
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......
Responding to and Recovering from the COVID-19 Recessi...
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....