Early Payment Default – Borrowers that Ghost
Utilizing multiple viewpoints into an identity can help mitigate early payment default and streamline the online application process.
Tag Archives: Credit Risk
Cover More Ground in Auto Lending
RiskView™ clarifies the rich texture of a financial life, revealing insight that gives you a competitive edge in the market. Are you leading the pack?
Spinning Your Wheels When it Comes to Auto Lending?
Using non-tradeline sources of data can be a nice way to gain a leg up on competition in the auto finance industry when it comes to specific cohorts.
The Year of Alternative Data
Alternative Data had a busy year in 2017.
What do my kids during the summer and auto owners have in common? Both are underwater!
Rising car prices, longer loan terms and falling used car values are leading to record high negative equity on trade-ins for consumers.
Kinecta Federal Credit Union uses RiskView™ to combat the Credit Scoring Void of Underbanked Americans
In a recent case study, Informa incubator Ovum outlined Kinecta Federal Credit Union’s decision to confront the challenge of financial inclusion by offering mainstream credit at more affordable rates to its underbanked customers. Kinecta achieved its goal by partnering with …
Alternative Data… Today and Beyond
Over the past twenty years, the awareness and adoption of alternative data has grown substantially as financial institutions seek sustainable ways to grow and expand their customer base. Alternative data provides lenders with an opportunity to innovate and differentiate from …
Reasons for optimism…and pause in auto lending
2015 marked a banner year for vehicle sales, as U.S. auto makers sold 17.2 million cars and light trucks. This represents a substantial recovery from the most recent economic downturn when sales bottomed out at 10.4 million in 2009. So …