Credit Lending
By: Wendy Greenawalt The economy has changed drastically in the last few years and most organizations have had to reduce costs across their businesses...
As the economic environment changes on what feels like a daily basis, the importance of having information about consumer credit trends and the future...
We’ve recently discussed management of risk, collections strategy, credit attributes, and the like for the bank card, telco, and real estate markets. This blog will provide insights...
In a continuation of my previous entry, I’d like to take the concept of the first-mover and specifically discuss the relevance of this to...
To calculate the expected business benefits of making an improvement to your decisioning strategies, you must first identify and prioritize the key metrics you...
I’ve recently been hearing a lot about how bankcard lenders are reacting to changes in legislation, and recent statistics clearly show that lenders have...
In a recent presentation conducted by The Tower Group, “2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Bank Cards,” the conversation...
In my previous two blogs, I introduced the definition of strategic default and compared and contrasted the population to other types of consumers with...
A recent New York Times (1) article outlined the latest release of credit borrowing by the Federal Reserve, indicating that American’s borrowed less for the ninth-straight month...
In my last blog, I discussed the presence of strategic defaulters and outlined the definitions used to identify these consumers, as well as other...
For the past couple years, the deterioration of the real estate market and the economy as a whole has been widely reported as a...
By: Wendy Greenawalt Optimization has become a “buzz word” in the financial services marketplace, but some organizations still fail to realize all the possible business...
In my last blog, I discussed the basic concept of a maturation curve, as illustrated below: Exhibit 1 In Exhibit 1, we examine different...
By: Tom Hannagan Understanding RORAC and RAROC I was hoping someone would ask about these risk management terms…and someone did. The obvious answer is...
The value of a good decision can generate $150 or more in customer net present value, while the cost of a bad decision can...