The Horizons Tracker

MARCH 9, 2022

The users of cashless payment systems can benefit from this approach by virtue of lower interest rates as they generally have a lower risk of defaulting. Assessing credit risk. The post How Cashless Payments Affect Our Credit Worthiness first appeared on The Horizons Tracker.

Credit Scoring 113

Credit Scoring Credit Risk Banking Business Model 113

Strategy Driven

MARCH 6, 2014

For what lead Life & Fire’s directors to commit fraud in the first place was in part driven by a desire (so they claimed) to extend credit to high-risk borrowers being ignored by traditional banks. Why was an insurance company doing a bank’s work? This was all done with good intentions.

Insurance 52

Insurance Banking Crisis Discount 52

Harvard Business Review

SEPTEMBER 16, 2014

And limited credit is in part caused by the difficulty of predicting which small businesses will and won’t succeed. In the past, a community bank would have a relationship with the businesses on Main Street, and when it came time for a loan, there would be a wealth of informal information to augment the loan application.

Credit Scoring 11

Credit Scoring Banking Dunning Metrics 11

Harvard Business Review

APRIL 5, 2012

Serodio thought a post I had written citing the complaints of former European Central Bank chairman Jean-Claude Trichet and author Jonathan Schlefer was too dismissive of modern macro, in particular the dynamic stochastic general equilibrium (DSGE) models that dominate academic and central bank macro research.

Banking 13

Banking Real Estate Crisis Policies 13

Harvard Business Review

SEPTEMBER 16, 2014

And limited credit is in part caused by the difficulty of predicting which small businesses will and won’t succeed. In the past, a community bank would have a relationship with the businesses on Main Street, and when it came time for a loan, there would be a wealth of informal information to augment the loan application.

Credit Scoring 8

Credit Scoring Banking Dunning Metrics 8

Harvard Business Review

AUGUST 24, 2016

At a meeting with a large bank, one of the senior executives said, “You know we have a problem that’s really giving us trouble. We have a lot of newer businesses that come to us for credit and we need to do due diligence on them. This isn’t market research, but hands-on problem solving.

Company 8

Company Team Due Diligence Banking 8

Harvard Business Review

JANUARY 7, 2014

Not long after Alan Greenspan stepped down as Federal Reserve chairman in 2006, global financial markets began to unravel. The boom-bust tendencies of Wall Street mean we need tougher capital requirements for banks, Greenspan now says, and maybe even a forced return to the partnerships that once dominated investment banking.

Long-term 12

Long-term Banking Short-term Finance 12