Tag: credit risk

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Hybrid Risk: The truth behind first party fraud...

Understanding and managing first party fraud Background/Definitions Wherever merchants, lenders, service providers, government agencies or other organizations offer goods, services or anything of value...

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“Don’t Stink” is a stinky customer experience strategy...

Customer experience strategies for success Sometimes it’s easier to describe something as the opposite of something else.  Being “anti-” something can communicate something meaningful....

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Does your risk model stand up against the test of time...

Using a risk model based on older data can result in reduced predictive...

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Will your company be ready for “the big one?”...

By: Staci Baker It seems like every time I turn on the TV there is another natural disaster. Tsunami in Japan, tornadoes and flooding in...

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Earthquakes and Credit Risk – Prediction and Preparati...

I love a good analogy, and living in Southern California, lately I’ve been thinking a lot about earthquakes, and how lenders might want to...

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Basel III and stress testing...

By: Staci Baker On September 12, 2010, the new Basel III rules were passed in Basel, Switzerland. These new rules aim to increase the liquidity...

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Will increased joblessness drive another set of strate...

With the news from the Federal Reserve that joblessness is not declining, and in fact is growing, a number of consumers are going to...

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Finding growth in your current applicants...

Recently, a number of media articles have discussed the task facing financial institutions today – find opportunities growth in a challenging and flat economy....

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Credit Risk Models – Which model to choose...

By: Kari Michel Credit risk models are used by almost every lender, and there are many choices to choose from including custom or generic models. ...

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Credit Risk and the Prime Consumer...

A recent January 29, 2010 article in the Wall Street Journal * discussing the repurchasing of loans by banks from Freddie Mae and Fannie...

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Optimizing marketing strategies while reducing costs...

By: Wendy Greenawalt Marketing is typically one of the largest expenses for an organization and it is also a priority to reach short- and long-term growth objectives....

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Shrinking consumer credit – are all consumers created ...

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...

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