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 126

Credit Scoring Credit Risk Banking Business Model 126

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 8

Credit Scoring Banking Dunning Metrics 8

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