Financial Services
By: Teri Tassara Negative liquidity, or owing more on your home than its value, has become a much too common theme in the past...
What does the mortgage interest rate, currently at an all time low of 3.55% (for 30 yr. fixed), mean for financial institutions? According to...
By: Kyle Aiman For more than 20 years, creditors have been using scores in their lending operations. They use risk models such as the...
By: Uzma Aziz They say, “a bird in the hand is better than two in the bush” …and the same can be said about customers...
By: Ken Pruett The great thing about being in front of customers is that you learn something from every meeting. Over the years I...
Join us Sept 12-13 in New York City for the Finovate conference to check out the best new innovations in financial and banking technology...
In this three-part series, Everything you wanted to know about credit risk scores, but were afraid to ask, I will provide a high level...
By: Mike Horrocks In 1950 Alice Stewart, a British medical professor, embarked on a study to identify what was causing so many cases of...
By: Teri Tassara The intense focus and competition among lenders for the super prime and prime prospect population has become saturated, requiring lenders to...
Last week, a group of us came together for a formal internal forum where we had the opportunity to compare notes with colleagues, hear...
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...
By: Shannon Lois These are challenging times for large financial institutions. Still feeling the impact from the financial crisis of 2007, the banking industry...
Contributed by: David Daukus As the economy is starting to finally turn around albeit with hiccups and demand for new credit picking up, creditors...
By: Stacy Schulman Earlier this week the CFPB announced a final rule addressing its role in supervising certain credit reporting agencies, including Experian and others...
With the constant (and improving!) changes in the consumer credit landscape, understanding the latest trends is vital for institutions to validate current business strategies...