What's New

Brighter customer engagement for utilities
Smart meters have made possible new services for customers, such as automated budget assistance and bill management tools, energy use notifications, and "smart pricing" and demand response programs. It is estimated that more than 50 million smart meters have...
Experian announces comarket agreement for Baker Hill Advisor product with MainStreet Technologies’ Loan Loss Analyzer
A new comarketing agreement for MainStreet Technologies’ (MST) Loan Loss Analyzer product with Experian Decision Analytics’ Baker Hill Advisor® product will provide the banking industry with a comprehensive, automated loan-management offering. The combined products...
The best medicine for data governance? Be your own doctor
This is the first post in a three-part series. You’ve probably heard the adage “There is a little poison in every medication,” which typically is attributed to Paracelsus (1493–1541), the father of toxicology. The trick, of course, is to prescribe the correct balance of...
Brighter customer engagement for utilities
Smart meters have made possible new services for customers, such as automated budget assistance and bill management tools, energy use notifications, and "smart pricing" and demand response programs. It is estimated that more than 50 million smart meters have...
Experian announces comarket agreement for Baker Hill Advisor product with MainStreet Technologies’ Loan Loss Analyzer
A new comarketing agreement for MainStreet Technologies’ (MST) Loan Loss Analyzer product with Experian Decision Analytics’ Baker Hill Advisor® product will provide the banking industry with a comprehensive, automated loan-management offering. The combined products...
The best medicine for data governance? Be your own doctor
This is the first post in a three-part series. You’ve probably heard the adage “There is a little poison in every medication,” which typically is attributed to Paracelsus (1493–1541), the father of toxicology. The trick, of course, is to prescribe the correct balance of...
The Future of Fraud
This article originally appeared on WIRED. When I started 41st Parameter more than a decade ago, I had a sense of what fraud was all about. I’d spent several years dealing with fraud while at VeriSign and American Express. As I considered the problem, I realized that...
Why do merchants reject NFC?
Through all the rather “invented conflict” of MCX vs Apple Pay by the tech media these last few weeks – very little diligence was done on why merchants have come to reject NFC (near field communication) as the standard of choice. Maybe I can provide some color here –...
Peeling the layers of today’s pricing
I began this blog series asking the question “How can banks offer such low rates?” Exploring the relationship of pricing in an environment where we have a normalized. I outlined a simplistic view of loan pricing as:  + Interest Income + Non-Interest Income Cost of Funds...