White Paper
Published January 12, 2026
Credit & Economic Trends Financial Inclusion Risk Management
ITIN holders are active, responsible participants in the U.S. credit economy — yet many remain overlooked by traditional lending models.
Our white paper takes a closer look at this financially active and resilient population, revealing key insights into their credit performance and long-term growth potential.
Some findings include:
- Most ITIN holders are concentrated in states that represent a large share of the U.S. economy: California, Texas and New York.
- 76.9% of ITIN holders remained current on trades after 12 months, a rate 15% higher than SSN consumers.
- ITIN holders maintain a lower debt-to-income ratio (25%) than SSN consumers.
Read the full white paper for more insights.
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Tip Sheet
Protect Wallet Share and Lifetime Value
Your most valuable customers don’t announce their departure. By the time balances decline or activity slows, competitors have already captured share of wallet.
Download our strategic snapshot to learn how your institution can identify behavioral shifts early, respond confidently and accelerate high-value customers forward.
Did you know?
- Customers typically hold less than 50% of their deposits or loans with a single institution.
- Selling to an existing customer can be up to 10x more successful than acquiring a new one.
- A 5% increase in customer retention can boost profits by 25% to 95%.
White Paper
Why efficient hyperparameter tuning matters: Putting Bayesian Optimization to the test
Bayesian Optimization offers a more efficient way to tune machine learning models at scale. This white paper presents a controlled comparison with Grid Search using production credit-risk data to measure runtime and model performance.
- Up to 80× faster hyperparameter tuning
- No loss in CV or holdout AUC
- Evidence from LightGBM credit-risk models
- Guidance for governed ML environments
Webinar
Uncovering and preventing large scale ATO and scams
Innovations in post-login fraud have exposed gaps in login defenses. How are leading businesses responding? Experts from TD Bank and Experian take a look at modern ATO attacks and scams — and how to stop them.
What you’ll learn:
- How fraudsters exploit vulnerabilities in login defenses
- The operating structure of a real-world ATO fraud ring
- Keys to stopping coordinated attacks in real time
Tip Sheet
Closing the gaps: fraud prevention across the customer lifecycle
This tip sheet explores where fraud can enter the customer lifecycle and how predictive fraud risk scores help distinguish fraud from true credit risk and help you:
- Reduce first-payment default and bust-out fraud
- Detect synthetic identities earlier
- Improve prescreen and campaign ROI
- Strengthen account management decisions