The Horizons Tracker

MARCH 9, 2022

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. The post How Cashless Payments Affect Our Credit Worthiness first appeared on The Horizons Tracker.

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

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 8

Credit Scoring Diversity Retail Media 8

Harvard Business Review

MARCH 26, 2015

Chief Marketing Officers (CMOs) and Chief Risk Officers (CROs) may seem to have little in common. That has coincided with marketing’s increased influence on strategy, driven by the unprecedented level of insights into customer behavior and trends that are now possible through analytics. Use risk data as an avenue for innovation.

Credit Scoring 8

Credit Scoring Risk Management Finance Marketing 8

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 8

Technology Banking Class Real Estate 8

Harvard Business Review

FEBRUARY 19, 2018

those who call up a car on a ride-sharing app, check news on social media or pay for an online transaction) and guarantors (e.g. the ride-sharing company, the social media platform, and the digital payments technology) of trust. You can’t put equivalent investments in every market.

Survey 9

Survey Environment Technology Comparison 9