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 more


If rumors hold true, Apple Pay will launch in a week. Five of my last six posts had covered Apple’s likely and actual strategy in payments & commerce, and the rich tapestry of control, convenience, user experience, security and applied cryptography that constitutes as the backdrop. What follows is more

How can banks offer such low rates?

by John P. Robertson, Senior Business Process Specialist As a Senior Business Process Specialist for the Experian Decision Analytics, John provides guidance to clients in the areas of profitability strategies for risk based pricing and relationship profitability. He assists banks in developing more

The impact of the revived HELOC trend

  Residential real estate lending was the leading component of the Great Recession of 2007-2009.  Could it happen again?  Let’s analyze our Intelliview data  to see where U.S. lending trends are headed with HELOCs. A large portion of Home Equity Lines of Credit (HELOCs) were originated from more

Five ways recovery scoring can improve your debt collection operations

For more than 20 years, creditors have been using scores in their lending operations.  They use risk models such as the VantageScore credit score, FICO or others to predict what kind of risk to expect before making credit-granting decisions. Risk models like these do a great job of separating more

Everything you wanted to know about credit risk scores but were afraid to ask

In this three-part series, Everything you wanted to know about credit risk scores, but were afraid to ask, I will provide a high level overview of: What a credit risk score predicts; Common myths about credit risk scores and how to educate consumers; and finally, Scoring traditionally more

Where business models worked, and didn’t, and are most needed now in mortgages

  Part II: Where are Models Most Needed Now in Mortgages? (Click here if you missed Part I of this post.) A first important question should always be are all of your models, model uses, and model testing strategies, and your non-model processes, sound and optimal for your business?  But in today’ more

Where Business Models Worked, and Didn’t, and Are Most Needed Now in Mortgages

Part I: Types and Complexity of Models, and Unobservable or Omitted Variables or Relationships Since the financial crisis, it’s not unusual to read articles here and there about the “failure of models.” For example, a recent piece in Scientific American critiqued financial model “calibration,” more

Reserve-Fund Mortgages: A Way to Help Contain Emerging Housing-Market Bubbles?

This installment proposes a new type of mortgage product that could help to lower current risks of home-price bubbles in various strongly growing economies—and perhaps future risks in the U.S. and other countries as well. In booming economies like Brazil, China, Singapore, and Hong Kong, more