Uncertainty is Certain

Commentary by: John McWilliams

When reflecting on your previous year, like most people, you probably start inwardly. Did you achieve your personal goals? Family goals? Career goals? Then we expand to the macro – how did your company perform? Your Clients? Your Industry? Your …

Kinecta Federal Credit Union uses RiskView™ to combat the Credit Scoring Void of Underbanked Americans

Commentary by: Solomon Semere

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 Series: Part 4 – An Alternative Data Case Study – Auto Lending

Commentary by: Solomon Semere

In the last part of our Alternative Data series, “An Alternative Data Case Study – Auto Lending,” Solomon Semere explains how a lender using RiskView™ can augment a credit profile with alternative data. Specifically looking at auto loan portfolios, a …

The Alternative to Alternative Lending

Commentary by: John McWilliams

I’ve frequently discussed how to improve the financial health of the 53 million Americans who do not have access to traditional, mainstream credit. In previous articles, I’ve explored the credit invisibles as a group, as well as concerns over predatory …

Alternative Data Series: Part 3 – LexisNexis® RiskView™ and LexisNexis® Risk Solutions: How Does It Work?

Commentary by: Solomon Semere

Solomon Semere, Alternative Data expert, explains how alternative data works in the third segment of the LexisNexis Risk Solutions “Alternative Data Series.” Semere covers what LexisNexis® RiskView™is, how it works within the lending framework, and how to differentiate a good …

Alternative Data Series: Part 2 – What Is The Value of Alternative Data?

Commentary by: Solomon Semere

The LexisNexis Risk Solutions “Alternative Data Series” explores how alternative data can be leveraged in lending practices. In this second segment, Alternative Data expert Solomon Semere discusses the value of alternative data – how it provides an additional lens with …

Data Used in Credit Scores – Are You Educated?

Commentary by: Jeff Stokes

We have been pursuing the topic of Financial Health with a necessary focus on the underserved, unbanked and credit invisibles.  A critical aspect of Financial Health involves an understanding of what data components are represented in credit scores used today.  …

Alternative Data Series: Part 1 – What Is Alternative Data?

Commentary by: Solomon Semere

LexisNexis Risk Solutions is launching its “Alternative Data Series” that features a recorded interview with Alternative Data expert Solomon Semere to learn: What is alternative data? What is the value of alternative data? How does it work? What are some …

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