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

banks are going to survive the coming wave in financial technology (fintech), they’ll need to finally take digital transformation seriously. Small businesses are starting to demand banking services that have engaging web and mobile user experiences, on par with the technologies they use in their personal lives.

Banking 11

Banking Stage-Gate Credit Scoring Competitive Advantage 11

Harvard Business Review

MARCH 26, 2015

Use risk data as an avenue for innovation. CROs are deeply familiar with the troves of risk data, such as payment habits and internal credit scores, that their companies keep. The risk team helped run the numbers to ensure the client met the right credit threshold, then marketing prepared the package and the reps went to work.

Credit Scoring 8

Credit Scoring Risk Management Finance Marketing 8

Harvard Business Review

NOVEMBER 6, 2018

According to China scholar Adam Segal’s analysis , the Chinese President Xi Jinping “aims to build an ‘impregnable’ cyber-defense system, give itself a greater voice in Internet governance, foster more world-class companies, and lead the globe in advanced technologies.” billion citizens.

Airlines 10

Airlines Technology Objective Policies 10