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 123

Credit Scoring Credit Risk Banking Business Model 123

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 9

Credit Scoring Banking Dunning Metrics 9

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 10

Banking Stage-Gate Credit Scoring Competitive Advantage 10

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

NOVEMBER 6, 2018

While it’s tempting to group China and India together as a block of emerging digital markets, they offer several important distinctions, especially for international entities and countries looking to invest. It is also the world’s largest market for e-commerce.

Airlines 9

Airlines Technology Objective Policies 9