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 105

Credit Scoring Credit Risk Banking Business Model 105

Talent Anarchy 1

SEPTEMBER 8, 2023

In today’s dynamic real estate market, finding the right mortgage lender can be a daunting task. What sets NewRez apart is its commitment to innovation, customer service, and a wide range of mortgage products that cater to diverse needs. Home buyers are often overwhelmed by the sheer number of options available.

Real Estate 78

Real Estate Company Credit Scoring Efficiency 78

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

APRIL 26, 2017

The marketing, underwriting, and servicing of SME loans have largely taken a backseat. Recent analysis by Bain and SAP found that only 7% of bank credit products could be handled digitally from end to end. They estimate that online lenders will constitute nearly a fifth of the total SME lending market by then.

Banking 12

Banking Stage-Gate Credit Scoring Competitive Advantage 12

Harvard Business Review

OCTOBER 21, 2013

But marketers are only now connecting data from loyalty programs in physical stores with data not only about how the same customers behave on the company’s website, but also how the same or similar customers anywhere in the world behave on other websites – ranging from news sites to car sites to movies sites – all tracked using cookies.

Credit Scoring 11

Credit Scoring Diversity Retail Media 11

Harvard Business Review

AUGUST 11, 2014

Small businesses are also instrumental to our innovation economy; small firms produce 13 times more patents per employee than larger firms and employ more than 40% of high technology workers in America. Although the online small business lending market is in its infancy, there is already disagreement over the appropriate level of regulation.

Technology 9

Technology Banking Class Real Estate 9