Analytics & Credit Decisions Community

Homeowners are borrowing again, as HELOC lending increased 27 percent in Q2 2014

Experian–Oliver Wyman data reports $120 billion in new home-equity credit loans in past year; Q2 2014 saw new mortgage originations totaling $292 billionMortgage origination volumes saw an increase of 15 percent in Q2 2014. Home-equity line of credit (HELOC) lending saw the biggest gains, according...read more

Optimization Use of Multiple Collection Agencies

I have heard from a few creditors that when it comes to allocating accounts to collection agencies for recoveries creating a rule based strategy isn’t always in the cards. When clients use multiple collection agencies their ability to allocate accounts to the different agencies based on rule based...read more

Auto Lending Naysayers Are Neglecting Key Facts

This is the first of a two part blog about the state of auto lending in the U.S. In 2014, auto lending has received increased media attention.  Unlike other forms of consumer lending, auto lending has been booming.  This lending has powered spending and has been an important driver of the economic...read more

Keep service levels up by improving revenue streams

As consumers, we expect service, don’t we? When service or convenience lessens or is taken away from us altogether, we struggle to comprehend it. As a recent example, I went to the pharmacy the other day and learned that I couldn’t pick up my prescription since the pharmacists were out to lunch....read more

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

Omnichannel approach is resulting in new challenges for risk management

During a recent webinar I hosted on balancing customer experience and fraud prevention, we had the opportunity to hear from an expert panel including Michelle Brisby, the senior fraud manager for Sephora Direct. Michelle shared with us how Sephora balances fraud protection with the user experience....read more

What Apple Pay Means for Banks' Mobile Dreams

Cherian Abraham, our mobile commerce and payments consultant, recently wrote about the future of mobile banking in regards to the Apple Pay news out this week. The below article originally appeared in American Banker and is an edited version of his blog post. Editor's note: A version of this post...read more

Effectively reach and connect with voters

At a time when people are accessing information when, where and how they want to, why aren’t voter rolls more up to date? Too often, voter lists aren’t scrubbed for use in mailing, and information included is inaccurate at the time of outreach. Though addresses and other contact information becomes...read more

How to overcome the loss of control for recovering debt

One of the challenges that we hear from many of our clients is managing multiple collection agencies in order to recover bad debts. Collection managers who use multiple collection agencies recognize the potential upside to utilizing multiple agencies.  Assigning allocate accounts to different...read more