Customer Targeting & Segmentation
As more financial institutions express interest and leverage alternative credit data sources to decision and assess consumers, lenders want to be assured of how...
As I mentioned in my previous blog, model validation is an essential step in evaluating a recently developed predictive model’s performance before finalizing and...
An introduction to the different types of validation samples Model validation is an essential step in evaluating and verifying a model’s performance during development...
The traditional credit score has ruled the financial services space for decades, but it‘s clear the way in which consumers are managing their money...
Hispanics are not only the fastest growing minority in the United States, but according to the Hispanic Wealth Project’s (HWP) 2017 State of Hispanic...
In my first blog post on the topic of customer segmentation, I shared with readers that segmentation is the process of dividing customers or...
Marketers are keenly aware of how important it is to “Know thy customer.” Yet customer knowledge isn’t restricted to the marketing-savvy. It’s also essential...
Traditional credit attributes provide immense value for lenders when making decisions, but when used alone, they are limited to capturing credit behavior during a...
Expert offers insights into turnkey big data access The data is out there – and there is a lot of it. In the world...
Are you ready to launch a new product to capture the revenue growth opportunities in today’s market? The competition is heating up for new...
Consumers are hungry for more personalized marketing, and I’m an actual example. As a new stepmom to two young kids, who has a full-time...
You’ve been tasked with developing a new model or enhancing an existing one, but the available data doesn’t include performance across the entire population...
Early reports suggest the 2017 holiday season was a good one for retailers. Consumers were in the mood to spend, and as such, Americans’...
You just finished redeveloping an existing scorecard, and now it’s time to replace the old with the new. If not properly planned, switching from...
The credit card marketplace is a crowded and complex landscape. Recent research by Experian shows the average U.S. consumer has 3.1 credit cards and...