Models & Scores
Taking Effect Soon: California Senate Bill 1157...
SB 1157—a new California Senate Bill—requires operators of multifamily units in California that receive federal, state or local subsidies to offer each resident in...
Addressing the Tax Gap with Artificial Intelligence...
The tax gap—the difference between what taxpayers should pay and what they actually pay on time—can have a substantial impact on states’ budgets. Tax...
5 Benefits of AI/ML For Lenders and Financial Institut...
The COVID-19 pandemic has created shifting economic conditions and rapidly evolving consumer preferences. Lenders must keep up by re-evaluating their strategies to accelerate growth...
Tips to Write a Better RFI/RFP: Part Two...
At some point a lender may need to issue an RFI or an RFP for a credit decisioning system. In this latest installment of...
Do You Even Need to Issue an RFI or RFP?...
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...
4 Steps to Avoid Lending FOMO for Fintechs and FIs...
With 2020 firmly behind us and multiple COVID-19 vaccines being dispersed across the globe, many of us are entering 2021 with a bit of, dare we...
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...
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,...
Profitability Analysis...
Profitability analysis is one of the most powerful analytics tools in business and strategy development. Yet it’s underrated, deemed too complicated and often ignored....
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....
Audio: Support Your Borrowers and Reduce Portfolio Vol...
In today’s uncertain economic environment, the question of how to reduce portfolio volatility while still meeting consumers’ needs is on every lender’s mind. With...
How Will COVID-19 Impact Consumers’ Payment Prio...
Do consumers pay certain types of credit accounts before others during financial distress? For instance, do they prioritize paying mortgage bills over credit card...
Audio: What Is Account Management?...
Account management is a critical strategy during any type of economy (pro-cycle, counter-cycle, cycle neutral). In times like these, marked by economic volatility, it...
Experian Launches Ascend Portfolio Loss Forecaster wit...
Today, Experian and Oliver Wyman launched the Ascend Portfolio Loss ForecasterTM, a solution built to help lenders make better decisions – during COVID-19 and...
Experian Launches Sure Profile...
To combat the growing threat of synthetic identity fraud, Experian recently announced the launch of Sure ProfileTM, a revolutionary change to the credit profile...