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Profitability analysis is one of the most powerful analytics tools in business and strategy development. Yet it’s underrated, deemed too complicated and often ignored....
Consumers are taking advantage of new car incentives, low interest rates and longer-term loans in order to ensure that their vehicle purchase is manageable.......
Big data is bringing changes to the way credit scores are reported and making it easier for lenders to find creditworthy consumers, and for...
Staying ahead of the trends and adjusting will support sales growth, while also supporting consumers as they begin to recover from the impact of......
Changing consumer behaviors caused by the COVID-19 pandemic have made it difficult for businesses to make good lending decisions. Maintaining a consistent lending portfolio...
As subprime originations decrease, some think that subprime consumers are being locked out of the automotive finance market, but that’s not the whole s......
This is the fourth in a series of blog posts highlighting optimization, artificial intelligence, predictive analytics, and decisioning for lending operations in times of extreme uncertainty....
Since the start of the COVID-19 health crisis, gross domestic product (GDP) has continued to fall in the U.S. In fact, the GDP collapsed...
In 2015, U.S. card issuers raced to start issuing EMV (Europay, Mastercard, and Visa) payment cards to take advantage of the new fraud prevention...
The early assessment for the automotive industry is that despite significant challenges at the onset of the pandemic, the industry continues to...
Achieving collection results within the subprime population was challenging enough before the current COVID-19 pandemic and will likely become more difficult now that the...
New challenges created by the COVID-19 pandemic have made it imperative for utility providers to adapt strategies and processes that preserve positive customer relationships...
The COVID-19 pandemic created a global shift in the volume of online activity and experiences over the past several months. Not only are consumers...
In today’s uncertain economic environment, the question of how to reduce portfolio volatility while still meeting consumers’ needs is on every lender’s mind. With...
As the COVID-19 pandemic continues to create uncertainty for the U.S. economy, different states and industries have seen many changes with each passing month....