What is Alternative Data and how can it improve credit scoring?
What is Alternative Data and how can it improve credit scoring? For decades, traditional credit scoring models have relied on a narrow set of financial data – primarily past loan repayments, credit card usage, and banking history. But in emerging markets, where millions lack access to formal financial services, these models leave many individuals and […]
How FinTech can help lenders reach the unbanked
How FinTech can help lenders reach the unbanked Access to fair and reliable financial services is a key driver of personal and economic growth, yet 1.4 billion adults worldwide remain excluded from the formal financial system. In emerging markets, where traditional credit models rely on historical data, millions of people face systemic barriers to obtaining […]
The future of lending
The Future of Lending Modern data and behavioural analytics are redefining risk assessment and client management. At its core lending is about trust. Traditionally, lenders have relied on a limited set of data to assess who is and is not creditworthy. This limited data means millions of potential customers have been excluded from access to […]
Embedded Finance in Lending
Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits
Psychometrics: What makes a reliable borrower? Joint Research with Mondato
Emerging research and data collected through psychometric assessments are pinpointing the psychological attributes that portend a promising borrower, while detailing how to tailor products and solutions according to individual psychological traits
7 Fuentes de Datos Modernos para el Análisis del Riesgo de Crédito en Microempresas.
MSMEs face difficulties in obtaining loans from financial institutions that use a conventional approach to creditworthiness, modern data sources can help/
7 Modern Data Sources for Credit Risk Analysis in Micro Businesses
MSMEs face difficulties in obtaining loans from financial institutions that use a conventional approach to creditworthiness, modern data sources can help/
9 trends shaping credit assessment this year
1. Inclusion of Diverse Data – there’s no alternative. Spurred by a combination of factors, Lenders are actively looking to include more and different types of data in decisioning processes. In recent years the limits of legacy credit data has been exposed. While exact models vary, legacy bureau credit scores consider the last 5 […]
Fair credit, from A to Gen Z
This article explores the unique personality characteristics of Generation Z, also known as iGen or Centennials. From their tech-savvy nature to their social inclusivity and purpose-driven mindset, discover what sets this young adult demographic apart from their predecessors.
A history of credit scores
The ways of working out who to trust in the world of credit have changed with over the years. Let’s look at the history of credit scores.
