Customer Targeting & Segmentation
For decades, the credit scoring system has relied on traditional data that only examines existing credit captured on a credit report – such as...
In today’s evolving and competitive market, the stakes are high to deliver both quantity and quality. That is, to deliver growth goals while increasing...
As more consumers apply for credit and increase their spending1, lenders and financial institutions have an opportunity to expand their portfolios and improve profitability....
Lenders are under pressure to improve access to financial services, but can it also be a vehicle for driving growth? With the global pandemic...
Student loan forbearance, part of the Coronavirus Aid, Relief, and Economic Security (CARES Act) economic stimulus bill that paused student loan repayment, interest accrual,...
While many view Millennials and Gen Z through the same lens, savvy automotive marketers are adjusting their strategies to capture the market of this......
Credit scores hold the key to many aspects of our financial lives. Whether qualifying for a mortgage, insurance, or a smartphone plan, financial institutions...
Nearly 28 million American consumers are credit invisible, and another 21 million are unscorable.1 Without a credit report, lenders can’t verify their identity, making...
Credit plays a vital role in the lives of consumers and helps them meet important milestones – like getting a car and buying their...
Chatbots, reduction of manual processes and explainability were all hot topics in a recent discussion between Madhurima Khandelwal, Vice President and Head of DataLabs...
When we look at how automotive manufacturers and dealers have marketed vehicles over the last few decades, we can see how through every decade,...
Financial inclusion is a challenge, that, while not new, has become ever more apparent over the last year. The inequities and inequalities in our...
Artificial intelligence is here to stay, and businesses who are adopting the newest AI technology are ahead of the game. From targeting the right prospects to designing effective collections efforts, AI-driven...
At some point a lender may need to issue an RFI or an RFP for a credit decisioning system. In this latest installment of...
Perhaps your loan origination system (LOS) doesn’t have the flexibility that you require. Perhaps the rules editor can’t segment variables in the manner that...