by May 7, 2013,
There aren’t many things that energize me more than seeing our
clients arrive for the Experian Vision 2013 Conference.
Industry leaders from all over the world have joined us in Southern
California to kick-off a full day of insightful topics. This
year’s event sold out in record time and we have...read more
by March 13, 2013,
This post is in response to the recent Bankinter story of
NFC payments at the point-of-sale without requiring SE – and the
lack of any real detail around how it plans to achieve that goal. I
am not privy to Bankinter’s plan to dis-intermediate the SE, but as
I know a wee bit about how NFC works, I...read more
by February 27, 2013,
Last January, I published an article in the Credit Union Journal
covering the trend among banks to return to portfolio growth. Over
the year, the desire to return to portfolio growth and maximize
customer relationships continues to be a strong focus, especially
in mature credit markets, such as the...read more
by January 25, 2013,
First, it aims to drastically reduce payment acceptance costs
through any and all means and Secondly – keep merchant data firmly
within their purview. MCX – MerChants reduX: The post that
follows is a collection of thoughts around MCX, why it deserves
respect, and yet how it is indeed mortal and...read more
by December 3, 2012,
As building blocks to any predictive model development, it goes
without saying that the better the predictive variables, also known
as attributes, the more accurate the predictions. For many
predictive analytic modeling shops, attributes are a key
differentiator to model performance versus the...read more
by October 24, 2012,
As the economy recovers from the recession, consumers are becoming
more responsible with their credit card usage; credit card debts
have not increased and delinquency rates have declined. Delinquency
rates as a percentage of balances continue to decline with the
short term 30-59 DPD period, now at...read more
by October 15, 2012,
Part 2: Common myths about credit risk scores and how to
educate consumers In light of what I've heard in the marketplace
through the years, I wanted to provide some information to help
'debunk' some common myths about credit scores. Myth: There is only
one credit score Reality: There are multiple...read more
by October 4, 2012,
It has been over a year that in Zuccotti Park the Occupy Wall
Street crowd made their voices heard. At the anniversary
point of that movement, there has been a lot of debate on if the
protest has fizzled away or is still alive and planning its next
step. Either way, it cannot be ignored that it...read more
by September 10, 2012,
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 the...read more
by August 15, 2012,
In 1950 Alice Stewart, a British medical professor, embarked on a
study to identify what was causing so many cases of cancer in
children. Her broad study covered many aspects of the lives
of both child and mother, and the final result was that a large
spike in the number of children struck with...read more
