Financial Services - Bankcard, Auto, Mortgage

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

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

Five steps to become a trusted advisor

The follow blog is by Kyle Enger, Executive Vice President of Finagraph With the surge of alternative lenders, competition among banks is stronger than ever. But what exactly does that mean for the everyday banker? It means business owners want more. If you’re only meeting your clients once a year...read more

Experian and Finagraph collaborate to deliver faster lending insights

Experian has announced a new agreement with Finagraph, a best-in-class automated financial intelligence tool provider, to provide the banking industry with software to evaluate small business financials faster. Loan automation is key in pulling together data in a meaningful manner and this bank...read more

Overdraft management that just makes sense for everyone

  Over the last several years, the Consumer Financial Protection Bureau (CFPB) has, not so quietly, been actively pushing for changes in how banks decision applicants for new checking accounts.  Recent activity by the CFPB is accelerating the pace of this change for those managing...read more

Solar Financing – The current and future catalyst behind the booming residential solar market (Part III)

  This is the third and last of a three-part blog series focused on the residential solar market looking at; 1) the history of solar technology, 2) current trends and financing mechanisms, and finally 3) overcoming market and regulatory challenges with Experian’s help. As we’ve discussed in the two...read more

Life as an underbanked kid - and what banks can learn from it

I was raised in an underbanked home! I have known this for a long time, but it feels great to say it and be proud of it.  I was raised in Neola, Utah, a small cattle ranching community of at the time 500 or so people.  I don’t recall as a kid ever feeling poor or on the edge financially, in fact it...read more

Solar Financing – The current and future catalyst behind the booming residential solar market (Part II)

This is the second of a three-part blog series focused on the residential solar market looking at; 1) the history of solar technology, 2) current trends and financing mechanisms, and finally 3) overcoming market and regulatory challenges with Experian’s help. Lets discuss the current trends in solar...read more

“Don’t Stink” is a stinky customer experience strategy

Sometimes it’s easier to describe something as the opposite of something else.  Being “anti-” something can communicate something meaningful. Cultural movements in the past have taken on these monikers:  consider the “anti-establishment” or “anti-war” movements.  We all need effective...read more