Analytics & Credit Decisions Community

The Year of Mobile Payments - 2015

Recently, I sat down to answer three questions for “The Year of Payments - 2015: One Quarter in” for on the topic of mobile payments in regards to: How Q1 2015 is different than Q1 2014 What’s the most significant development so far this year? If “Payments 2015” were a brand and had more

Experian Introduces Enterprise Fraud and ID Business

At the start of the Vision 2015 Conference, Experian® announced a new dedicated enterprise Fraud and ID business in North America. This newly established business unit allows Experian, the leading global information services company, to more aggressively address the growing variety of fraud risk more

What is the true cost of identity fraud in the energy sector?

In the utility industry today, gaining enterprise-wide systemic control over credit risk assessment, identity verification and compliance oversight are causing many leading organizations major headaches.   The ability for IT departments to modify their core legacy systems to effectively more

Commercial Lending and Risk Management lessons from British Punk Bands

The other day in the American Banker, there was an article titled “Is Loan Growth a Bad Idea Right Now?”, which brings up some great questions on how banks should be looking at their C&I portfolios (or frankly any section of the overall portfolio).  I have to admit I was a little down on more

Does social media change the data governance field?

Last week I presented at the 27th Annual Card Forum and Expo and the conference highlighted several issues of progress from new payment solutions. Lots of discussion was regarding Apple Pay and the merchant and consumer perspectives on adoption were widely reviewed. Of course, the implications more

Taking the risk out of your tax refund process

Using 3rdparty data and analytics to stay one step ahead of fraudsters   By Neli Coleman According to a May 2014 Governing Institute research study of 129 state and local government officials, 43 percent of respondents cited identity theft as the biggest challenge their agency is facing more

2015 Real Estate Market Trends

Source:  IntelliViewsm powered by Experian Sales of existing homes dropped 50% from the peak in August 2005 to the low point in July 2010.  The spike in home sales in late 2009 and early 2010 was due to the large number of foreclosure sales as well as very low prices.  Since 2010, sales more

Understanding Gift Card Fraud Part 2: Fraudsters love gift cards, too!

by Angie Montoya In part one, we spoke about what an amazing deal gift cards (GCs) are, and why they are incredibly popular among consumers. Today we are going to dive deeper and see why fraudsters love gift cards and how they are taking advantage of them. We previously mentioned that it’s more

The Importance of Restructuring HELOCs before End-of-Draw

Home equity lines of credit (HELOCs) originated during the U.S. housing boom period of 2006 – 2008 will soon approach their scheduled maturity or repayment phases, also known as “end-of-draw”.  These 10 year interest only loans will convert to an amortization schedule to cover both more

Building a Generation of Relationship Bankers: One Branch at a Time

By: Kyle Enger, Executive Vice President of Finagraph Small business remains one of the largest and most profitable client segments for banks. They provide low cost deposits, high-quality loans and offer numerous cross-selling opportunities. However, recent reports indicate that a majority more