All posts by Alan Ikemura
How can lenders ensure they’re making the most accurate and fair lending decisions? The answer lies in consistent model validations. What are model validations?...
Machine learning (ML), the newest buzzword, has swept into the lexicon and captured the interest of us all. Its recent, widespread popularity has stemmed...
Using bankcard utilization to forecast holiday spend It’s officially November, and like me, you’ve probably noticed all the holiday promotions in your mailbox and...
With the constant (and improving!) changes in the consumer credit landscape, understanding the latest trends is vital for institutions to validate current business strategies...
The Fed’s Comprehensive Capital Analysis and Review (CCAR) and Capital Plan Review (CapPR) stress scenarios depict a severe recession that, although unlikely, the largest...
With the constant (and improving!) changes in the consumer credit landscape, understanding the latest trends is vital for institutions to validate current business strategies...
Up to this point, I’ve been writing about loan originations and the prospects and challenges facing bankcard, auto and real estate lending this year. ...
In my last two posts on bankcard and auto originations, I provided evidence as to why lenders have reason to feel optimistic about their...
If you attended any of our past credit trends Webinars, you’ve heard me mention time and again how auto originations have been a standout...
As we kick off the new year, I thought I’d dedicate a few blog posts to cover what some of the consumer credit trends...
With the raising of the U.S. debt ceiling and its recent ramifications consuming the headlines over the past month, I began to wonder what...
A surprising occurrence is happening in the consumer credit markets. Bank card issuers are back in acquisition mode, enticing consumers with cash back, airline points...