Credit Lending
Alternative credit scoring has become mainstream — and for good reasons. These scoring models could help nearly 50 million consumers who don’t meet the...
From chatbots to image generators, artificial intelligence (AI) has captured consumers’ attention and spurred joy — and sometimes a little fear. It’s not too...
Lenders looking to gain an edge need to have a strategy for how they’ll improve their credit underwriting process in the coming years. The...
With an abundance of loan options in today’s market, retaining customers can be challenging for banks and credit unions, especially small or regional institutions....
Financial institutions have gone through a whirlwind in the last few years, with the pandemic forcing many to undergo digital transformations. More recently, rising...
Conventional credit scoring systems are based on models developed over six decades. As consumer behavior evolves, it’s important to seek newer, fresher sources of...
Today’s changing economy is directly impacting consumers’ financial behaviors, with some individuals doing well and some showing signs of payment stress. And while these...
Sometimes you have to break from tradition and look to modern solutions to address modern problems. As consumers increasingly use, depend on and expect...
Advances in analytics and modeling are making credit risk decisioning more efficient and precise. And while businesses may face challenges in developing and deploying...
Today’s top lenders use traditional and alternative credit data1 – or expanded Fair Credit Reporting Act (FCRA) regulated data – including consumer permissioned data, to...
More than seven million Americans who are unbanked cite high account fees, insufficient funds to meet minimum balances and a lack of needed products and...
With consumers having more credit options than ever before, it’s imperative for lenders to get their message in front of ideal customers at the...
External fraud generally results from deceptive activity intended to produce financial gain that is carried out by an individual, a group of people or...
What is elder abuse fraud? Financial abuse is reportedly the fastest-growing form of elder abuse, leaving many Americans vulnerable to theft scams, and putting...
Traditional credit data has long been a reliable source for measuring consumers’ creditworthiness. While that’s not changing, new types of alternative credit data are...