Harvard Business Review

SEPTEMBER 21, 2012

Say you're a manager at a consumer retail store — how many web customers also purchase at your brick and mortar stores, and how often? In the retail example, a single registration account for web and mobile commerce can help consolidate data from both channels in order to give a better picture of a customer's online shopping.

Insurance 15

Insurance Team Credit Scoring Retail 15

Harvard Business Review

OCTOBER 21, 2013

Big is old – retailers and financial institutions have had big data for decades. Take large retailers. It is not Big that matters, it is Diversity that matters. But Diversity is new. Sure, they have had enormous databases for long time now.

Credit Scoring 8

Credit Scoring Diversity Retail Media 8

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.

Credit Scoring 8

Credit Scoring Risk Management Finance Marketing 8