Models & Scores

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Click here to register for our upcoming webinar on April 11, where we’ll highlight new research on first-time homebuyers. Current economic conditions present genuine...

April 8, 2024 by Scott Hamlin

This article was updated on March 12, 2024. The number of decisions that a business must make in the marketing space is on the...

March 12, 2024 by Julie Lee

This article was updated on March 6, 2024. Advances in analytics and modeling are making credit risk decisioning more efficient and precise. And while...

March 6, 2024 by Julie Lee

This article was updated on February 28, 2024. There’s always a risk that a borrower will miss or completely stop making payments. And when...

February 28, 2024 by Julie Lee

This article was updated on February 21, 2024. With the rise of technology and data analytics in the financial industry today, it’s no longer...

February 21, 2024 by Theresa Nguyen

Developing machine learning (ML) credit risk models can be more challenging than traditional credit risk modeling approaches. But once deployed, ML models can increase...

February 20, 2024 by Julie Lee

As a community bank or credit union, your goal is to provide personalized care and attention to your customers and members while effectively managing...

February 14, 2024 by Ted Wentzel

This article was updated on February 13, 2024. Traditional credit data has long been a reliable source for measuring consumers’ creditworthiness. While that’s not...

February 13, 2024 by Laura Burrows

Companies depend on quality information to make decisions that move their business objectives forward while minimizing risk exposure. And in today’s modern, tech-driven, innovation-led...

February 7, 2024 by Julie Lee

In today’s complex business landscape, data-based decision-making has become the norm, with advanced technologies and analytics tools facilitating faster and more accurate modeling and...

January 25, 2024 by Julie Lee

Model explainability has become a hot topic as lenders look for ways to use artificial intelligence (AI) to improve their decision-making. Within credit decisioning,...

January 11, 2024 by Julie Lee

Today’s lenders use expanded data sources and advanced analytics to predict credit risk more accurately and optimize their lending and operations. The result may be...

December 7, 2023 by Theresa Nguyen

Well-designed underwriting strategies are critical to creating more value out of your member relationships and driving growth for your business. But what makes an...

November 28, 2023 by Theresa Nguyen

If you’re a manager at a business that lends to consumers or otherwise extends credit, you certainly are aware that 10-15% of your current...

November 16, 2023 by Jim Bander

With great risk comes great reward, as the saying goes. But when it comes to business, there’s huge value in reducing and managing that...

November 9, 2023 by Julie Lee

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