Revitalizing Invitation-to-Apply Marketing with Alternative Data

Commentary by: John McWilliams

Driving response is about delivering the right offer at the right time to the right person. In the world of Invitation-to-Apply (ITA) strategies, marketers are often seeing high response rates but low approvals creating a growing need to better segment …

The Age of Alternative Data: Elevating Credit Risk Management

Commentary by: Naagesh Padmanaban

It is common knowledge that large volumes of data are being constantly generated and a good portion of this can be used to better understand a potential borrower. This profusion of data has only provided greater depth and reach to …

Addressing Fraud in Marketing – with Alternative Data

Commentary by: John McWilliams

Fraud is Inevitable but Not Insurmountable A study conducted last year by LexisNexis Risk Solutions found the following: The average cost of fraud has risen 8.1% across lenders since 2017. Every $1 of fraud now costs these firms $3.05 compared to $2.82 …

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