Customer Management

Can You Compare the Performance of Your Collection Agencies?

Collection agencies provide reports with respect to their performance and collection activities.  Depending on which system the agencies are using and the extent it has been modified, the reports may look similar, but then again the data and format may be completely different.   Finding the common...read more

What your lenders want in a lending process – but may not say to you.

A recent industry survey was published that called out the number one reason that lenders were dissatisfied or willing to go to another financial institution (and take their book of business with them) was not compensation.  While, compensation is often thought of as the number one driver for this...read more

The couch and the fitness device – your next branch

Note: As we wrap our 3-part blog coverage of the American Banker webinar, “What’s next for mobile banking?”, we focus on the comments from  Cherian Abraham and a great question on wearable devices.   Experian - What's Next for Mobile Banking from Experian Decision Analytics It is amazing to me as...read more

Be a mobile banking superhero.

Last week I had a friend of mine (who would be a self-declared geek) go to GenCon in Indianapolis.  For those that don’t know anything about GenCon, it is one of the largest gaming conventions in the world and it is the only time that you can expect to see everyday folks dressed up as superheroes or...read more

Mobile cooperation as a competitive advantage

Last week, I spoke to you about an American Banker webinar that Experian hosted on  “What is next for mobile banking”.  Hopefully you were able to attend, but for those that could not, I promised we would cover a few of the key points.  So here we go. I just sent my youngest off to Kindergarten this...read more

Smoke is rising from Apple's Conclave

TL;DR Read within as to how Touch ID is made possible via ARM’s TrustZone/TEE, and why this matters in the context of the coming Apple’s identity framework. Also I explain why primary/co-processor combos are here to stay. I believe that eventually, Touch ID has a payments angle – but focusing...read more

Economic changes are inevitable, so should be the review of your small business credit risk strategies

As we go through the economic seasons, we need to remember to reassess our strategy.  While we use data as the way to accurately assess the environment and determine the best course of action for your future strategy, the one thing that is for certain is that the current environment will definitely...read more

Organic portfolio growth starts with evaluating loan loss performance

There are two core fundamentals of evaluating loan loss performance to consider when generating organic portfolio growth through the setting of customer lending limits.  Neither of which can be discussed without first considering what defines a “customer.” Definition of a customer The approach used...read more

3 Easy Steps to a Smooth HIE Migration

State and Federal agencies are tasked with overseeing the integration of new Health Insurance Exchanges and with that responsibility, comes the effort of managing information updates, ensuring smooth data transfer, and implementing proper security measures. The migration process for HIEs is no...read more

Smells like innovation

  Big news [last week], with Chase entering in to a 10 year expanded partnership with Visa to create a ‘differentiated experience’ for its merchants and consumers. I would warn anyone thinking “offers and deals” when they hear “differentiated experience” – because I believe we are running low on...read more