Analytics & Credit Decisions Community

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 are...read 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 regarding...read 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 have...read 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 unlikely...read 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 principle...read 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 of...read more

Capital adequacy requirements continue to evolve. Are you prepared?

Complying with complex and evolving capital adequacy regulatory requirements is the new reality for financial service organizations, and it doesn’t seem to be getting any easier to comply in the years since CCAR was introduced under the Dodd Frank Act.  Many banks that have submitted capital plans...read more

What is behind the numbers?

  Do you really know where your commercial and small business clients stand financially?  I bet if you ask your commercial lending relationship managers they will say they do -  but do they really?  The bigger question is how you could be more tied into to your business clients so that you could...read more

An Apple Pay solution that keeps fraud away

Apple Pay is here and so are increased fraud exposures, confirmed losses, and customer experience challenges among card issuers. The exposure associated with the provisioning of credit and debit cards to the Apple Pay application was in time expected as fraudsters are the first group to find...read more

Understanding Gift Card Fraud

by Angie Montoya Gift cards have risen in popularity over the last few years — the National Retail Federation anticipated more than $31B in gift card sales during the 2014 holiday season alone. Gift cards are the most requested gift item, and they have been for eight years in a row. Total gift card...read more