The Horizons Tracker

NOVEMBER 26, 2021

One’s credit score is often hugely important, with it very difficult to secure substantial loans, such as mortgages, without a healthy credit rating. The researchers themselves used AI to analyze vast quantities of consumer data, which allowed them to test various credit-scoring models. Risk assessment.

Credit Risk 80

Credit Risk Credit Scoring Tools Credit Rating 80

The Horizons Tracker

MARCH 9, 2022

Assessing credit risk. Traditionally, lenders use a range of criteria to assess our credit risk, but the new wave of fintechs entering the market tend to rely more on alternative data that goes beyond your credit score. Verifiable records.

Credit Scoring 129

Credit Scoring Credit Risk Banking Business Model 129

Strategy Driven

JANUARY 27, 2020

Having a bad credit score is something nearly 68 million Americans have to deal with. Your credit score is a way for lenders to see how much risk is associated with lending you money or approving you for a line of credit. With the help of this program, you can automate the credit report dispute process.

Credit Scoring 66

Credit Scoring Insurance Credit Risk Report 66

Harvard Business Review

SEPTEMBER 16, 2014

Today, community banks are being consolidated and larger banks are relying more and more on data-driven credit scoring to make small business loans—if they are making them at all. My recent Harvard Business School Working Paper on small business credit explores new technology-driven entrants in the world of small business lending.

Credit Scoring 10

Credit Scoring Banking Dunning Metrics 10

Harvard Business Review

SEPTEMBER 16, 2014

Today, community banks are being consolidated and larger banks are relying more and more on data-driven credit scoring to make small business loans—if they are making them at all. However, all these online models depend on developing accurate new predictive models of credit assessment, often using new sources of data.

Credit Scoring 8

Credit Scoring Banking Dunning Metrics 8

Harvard Business Review

NOVEMBER 8, 2012

With fairly few signals in their models, the FICO score doesn't have the ability to distinguish between credit risk in a generally high risk group. For example, thousands of signals can be used to analyze an individual's credit risk. The way to address this is to add more signals.

Credit Risk 9

Credit Risk Credit Scoring Retail Technology 9