Latest Posts
By: Amanda Roth As discussed earlier, the validation of a risk based-pricing program can mean several different things. Let’s break these options down. The first...
In a recent presentation conducted by The Tower Group, “2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Bank Cards,” the conversation...
By: Kari Michel Lenders are looking for ways to improve their collections strategy as they continue to deal with unprecedented consumer debt, significant increases...
By: Roger Ahern It’s been proven in practice many times that by optimizing decisions (through improved decisioning strategies, credit risk modeling, risk-based pricing, enhanced...
In my previous two blogs, I introduced the definition of strategic default and compared and contrasted the population to other types of consumers with...
–by Andrew Gulledge General configuration issues Question selection– In addition to choosing questions that generally have a high percentage correct and fraud separation, consider...
A recent New York Times (1) article outlined the latest release of credit borrowing by the Federal Reserve, indicating that American’s borrowed less for the ninth-straight month...
In my last blog, I discussed the presence of strategic defaulters and outlined the definitions used to identify these consumers, as well as other...
I have already commented on “secret questions” as the root of all evil when considering tools to reduce identity theft and minimize fraud losses. ...
–by Andrew Gulledge Where does Knowledge Based Authenticationfit into my decisioning strategy? Knowledge Based Authentication can fit into various parts of your authentication process....
By: Wendy Greenawalt In my last blog on optimization we discussed how optimized strategies can improve collection strategies. In this blog, I would like...
For the past couple years, the deterioration of the real estate market and the economy as a whole has been widely reported as a...
By: Wendy Greenawalt Optimization has become a “buzz word” in the financial services marketplace, but some organizations still fail to realize all the possible business...
In my last blog, I discussed the basic concept of a maturation curve, as illustrated below: Exhibit 1 In Exhibit 1, we examine different...
–by Jeff Bernstein In the current economic environment, many lenders and issuers across the globe are struggling to manage the volume of caseloads coming...