Top Drivers of Non-Traditional Installment Borrowing:
Top Drivers of Non-Traditional Installment Borrowing by Consumers with Credit Cards: Don’t miss another episode of Truth In Data! Click...
Read more
Lending
Auto Loans, Credit Cards, and Personal Installment Loans: Who Lends What?
TransUnion, a top credit reporting agency, published numbers on lending sources. Spoiler Alert: Banks do not dominate every sector regarding...
Read more
Rent-A-Bank: Creative Solution or Regulatory Hotspot?
NPR recently reported a move to limit fintechs from lending through rent-a-banks, which could negatively impact credit cards issued through...
Read more
Betting on Subprimes: Strategic Play or Risky Business?
The WSJ reports on the trend of increased lending to subprime borrowers, and while it sounds like a great deal,...
Read more
Fair Lending: In Credit Cards and Banking
One early learning I had in banking goes back nearly four decades, to the days of COBOL. In setting up...
Read more
Many Companies Are Hesitant to Shift off LIBOR in 2022
This Wall Street Journal article highlights the reluctance of many companies to replace the London Interbank Offered Rate (LIBOR), a...
Read more
In the BNPL Future, Everyone is a Lender
Ask a young person the last time they used cash, or even a physical credit card, to make a purchase...
Read more
Small Business Usage of the SBA PPP Loan Program:
Don’t miss another episode of Truth In Data! Click on the red bell in the lower-left of your screen to...
Read more
What Does BNPL Mean for the World of B2B Payments?
It seems ironic that Buy Now Pay Later (BNPL) offerings are considered a touchstone of customer-centricity in today’s highly sophisticated...
Read more
Gradually Then Suddenly
With a handful of consumer-facing “neo-banks” now at scale and listed (or soon to be listed) on stock exchanges, there...
Read moreMust Reads
