Harvard Business Review
OCTOBER 21, 2013
Some innovative companies are connecting data traditionally used by banks to assess the credit score of loan applicants with information ranging from mobile phone usage data to online social media relations data, in order to better and faster assess the creditworthiness of a micro-loan applicant. But Diversity is new.
Harvard Business Review
MARCH 26, 2015
CROs are deeply familiar with the troves of risk data, such as payment habits and internal credit scores, that their companies keep. Mortgage payers with a track record of being more than 15 days late could receive incentives or loyalty points that reward early payment. Use risk data as an avenue for innovation.
Harvard Business Review
SEPTEMBER 21, 2012
Even more broadly, a customer loyalty program can help, since it gives consumers a unique ID that they apply to every purchase, regardless of the channel.
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