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Preventing Synthetic Identity Fraud...

Synthetic identity fraud, otherwise known as SID fraud, is reportedly the fastest-growing type of financial crime. One reason for its rapid growth is the...

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Stopping Synthetic Identity Fraud Before It Starts...

The CU Times recently reported on a nationwide synthetic identity fraud ring impacting several major credit unions and banks. Investigators for the Federal and...

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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,...

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Adapting to the New Collections Landscape...

Consumer behavior and payment trends are constantly evolving, particularly in a rapidly changing economic environment. Faced with changing demands, including an accelerated shift to...

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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....

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Incentives and Loan Terms: Making Vehicles Affordable ...

Consumers are taking advantage of new car incentives, low interest rates and longer-term loans in order to ensure that their vehicle purchase is manageable.......

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2020 State of Alternative Credit Data...

Big data is bringing changes to the way credit scores are reported and making it easier for lenders to find creditworthy consumers, and for...

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Insight into the Market Leads the Way to Pandemic Reco...

Staying ahead of the trends and adjusting will support sales growth, while also supporting consumers as they begin to recover from the impact of......

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Q&A Perspective Series: Effective Decisioning Dur...

Changing consumer behaviors caused by the COVID-19 pandemic have made it difficult for businesses to make good lending decisions. Maintaining a consistent lending portfolio...

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Subprime Borrowers Locked Out of Loans? That Might Not...

As subprime originations decrease, some think that subprime consumers are being locked out of the automotive finance market, but that’s not the whole s......

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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....

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Tracking State-Level Recoveries...

Since the start of the COVID-19 health crisis, gross domestic product (GDP) has continued to fall in the U.S. In fact, the GDP collapsed...

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Synthetic Identity Fraud and COVID-19...

In 2015, U.S. card issuers raced to start issuing EMV (Europay, Mastercard, and Visa) payment cards to take advantage of the new fraud prevention...

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Auto Industry Rebounds, Despite Early COVID-19 Challen...

The early assessment for the automotive industry is that despite significant challenges at the onset of the pandemic, the industry continues to...

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Collections Is a Race, Not a Battle: Pre-Delinquent St...

Achieving collection results within the subprime population was challenging enough before the current COVID-19 pandemic and will likely become more difficult now that the...

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