Loan Origination Automation: Faster Approvals, Reduced Risk
Optimize your loan origination process with automation that speeds approvals, cuts costs, and improves customer satisfaction for credit risk leaders
How Digital Twins & Simulation Improve Credit Line Management
Business outcome simulation enables business users to simulate changes to strategy and quickly make informed decisions to help reduce risk and enhance profitability
Are Student Loan Holders at Risk as Deferments Expire?
Factors driving credit score decreases observed among student loan holders involved behaviors such as delinquency on credit products including bankcards, auto loans, and mortgages
Meeting the Customer Affordability Challenge at Speed and Scale
The ability to offer full control of affordability strategies and models to ensure agility, flexibility and transparency really matters — because it’s getting ever more complex
Meeting Future Leaders in AI and Machine Learning
Talking with A-level students at Winstanley College, Wigan, gave me hope for the future of data science
UK Credit Card Trends for September: Calm Before the Storm?
Monthly report on UK credit card trends shows financial prudence with spending down and percentage of payments to balance up – but will lockdown stashes save the day or fade away?
Simulated FICO Score Impacts from Balance Aggregation due to Mortgage Forbearance
Research shows balance aggregation results in modest impact to FICO® Scores
UK Credit Cards: August Data Reveals Consumer Confidence
August saw a two-year low in consumers paying less than the amount due on cards, although signs of financial pressure can be seen
UK Card Trends: Pandemic Savings Mask Picture of Debt
Our UK Credit Market Report of UK card trends for July 2021 reveals that there was an uplift in missed payment rates, whilst spend on cards marginally fell
The Impact of COVID-19 on Credit Card Payments
Credit card trends for payments and delinquencies show similar patterns in the US, the UK and Canada, though extra savings and government support are masking the pandemic's impact
The Impact of COVID-19 on Credit Card Trends - US, UK, Canada
Looking at trends for activity, utilization, spend, balances, usage, interest reveals new focus areas for issuers
UK Credit Market Report June 2021: Spending Tops 2019 Level
Credit card spend 3.5% higher than June 2019, suggesting some households are benefitting from pandemic savings, but not everyone is confident in financial position
3 Success Stories Show Customer-Centric Decisions Pay Off
From South America to South Africa, businesses are using centralized decisioning to connect with customers
UK Credit Card Data Shows Cardholder Caution
Markedly lower increase in card spend shows how consumers are reacting to the 'new normal'
Creating Credit Opportunities with Open Banking
Open Banking has the potential to empower more choice for millions more consumers in Europe and Africa - better analytics and breaking down banking silos will be key
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