This paper looks at the evolving expectations of borrowers — who demand personalized products and offerings — and ways to satisfy those expectations. We will introduce how a multidimensional view of the customer lets lenders segment more accurately, which can drive product and service design, improve data-driven decisioning, and tailor communications strategies. And we’ll walk through tips for designing and deploying an effective strategy using integrated decisioning.

Reject inference is the practice of using information to make a probabilistic guess as to the outcome of an application that was declined by a lender. In this paper, we walk through three approaches to iterative reclassification and provide an assessment of their efficacy based on classification accuracy.

Many credit marketing leaders are actively evaluating and finding viable consumer populations within the near-prime consumer population today.

Download our latest white paper, Expanding the Marketable Universe, filled with valuable data and analysis that will help you identify strategies for acquiring new accounts in lower-scoring segments.

With consumers immersed in the holiday season, retailers enjoy the constant swiping of credit cards. As a lender, shopping means both opportunity and risk. Credit utilization peaks this time of year, but high balances result in consumers seeking greater card deals. To capitalize on this prime season to grow, and protect from attrition, leveraging specific models and/or tools can help identify when to lower APRs, sweeten rewards and increase credit limits for specific consumers. Check out our holiday infographic illustrating post-holiday trends and solutions.