Race and Credit Scores: It is a Social Issue, not a Scoring Issue
Any lender worth their salt does not care about race, religion, national origin, sexual orientation, or marital status. Lending is...
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Lending
Time to Tighten Lending: Bureau Data on Credit Cards, Autos, and HELOCs
Regulators are often critical of credit bureaus, but it is ironic when you consider how federal government agencies toil with...
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Expanding the Methods and Speed of Loan Payments for Banks and Other Lenders
It’s 2022 and many consumers are splitting restaurant bills with peer-to-peer (P2P) apps and initiating a wide range of payments...
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The FICO Score and Alternative Data: Opening the Sales Funnel Is One Thing, Mitigating Risk Is Another
To build on an earlier article unpacking a new Mercator Advisory Group white paper, Credit Scoring, Fintech, and Consumer Loans:...
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Four Banks Dominate Consumer Lending in Russia:
Don’t miss another episode of Truth In Data! Click on the red bell in the lower-left of your screen to...
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Buy Now, Pay Later: Merchants Need to Think About Plan B
Will BNPL as we know it, make it to the winter holiday season? Maybe not if you read the WSJ....
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Fair Lending and Credit Cards: No Problems Here
Fair lending laws are a staple of credit card payments. In the world of credit cards, issuers are more concerned...
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Installment Lending: Everything Old is New Again
BNPL is not the only borrowing tool revived from the annals of banking. This time, it is Installment loans. Just...
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Consumer Asset-Based Loans: Are Fintechs Pennywise & Pound Foolish?
When a consumer goes to borrow, whether it be a credit card or loan, there is a basic assumption that...
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Marqeta Survey Shines a Light on European Consumer Lending
A recent survey completed on behalf of card platform Marqeta of European consumers highlights the challenges and opportunities for consumers...
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