Market Trends
The average bankcard balance per consumer in Q2 2012 was $4,170, which is 4 percent higher when compared to the same quarter of the...
The Experian/Moody’s Analytics Small Business Credit Index edged up 0.9 points in Q2 2012, to 104.1 from 103.2. High-level findings from the Q2 report...
The pressures for both credit unions and banks, to generate returns to drive greater earnings are ever present. According to recent data released by...
The cumulative effect of Basel III is expected to have a substantial impact on capital requirements. The total minimum regulatory capital will increase from...
A recent survey of 1,000 representative American consumers showed that while 78 percent of respondents are aware that they have more than one credit...
The dramatic transformation of the financial services industry requires new advances and innovation in credit strategies to respond to the growing number of underbanked...
Year over year retail spend continues to trend up, translating into Bankcard balance growth and new originations. New Bankcard volumes (limits) came in at...
The average turnaround time to make a lending decision varies materially between financial institutions. Institutions with low-level automation are typically less competitive on price...
As part of its expanded guidance, the Office of the Comptroller of the Currency explicitly recommends that financial services firms utilizing predictive models and...
A vintage analysis comparing 60 or more days past due (DPD) delinquency performance at the one-year mark for mortgages originated between 2002 and 2010...
The average bankcard balance per consumer rose to $4,359 in Q1 2012 – an 8 percent increase from the previous quarter. The increase resulted...
The economy is accelerating at a sluggish pace, and world headlines cause business leaders to swing between optimism and pessimism daily. Risk managers must...
Despite low demand and a shrinking pool of qualified candidates, loan growth priorities continue to rank high for most small-business lenders – both for...
The strongest growth in new bankcard accounts is occurring in the near-prime and subprime segments of VantageScore® C, D and F. Year-over-year (Q1 2011...
VantageScore® polled risk professionals about how they are measuring score performance, and 60 percent of respondents said they are now using metrics beyond the...