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Evolution of Identity Fraud

Financial institutions (FIs) have been battling identity fraud for decades. According to Javelin Strategy & Research, $16 billion were stolen from 12.7 million identity fraud victims in 2014 [...]

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Why Credit Attributes Should Matter to Bank Marketers

The ranks of marketers who focus on analytics to build their brands and increase sales is growing rapidly, yet many bank marketers steer clear when the topic of credit attributes comes up. To be [...]

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Building Attributes? Start with the Right Data

In a previous blog, I talked about how attributes are the cornerstone of decisioning policy and creating a centralized approach to attributes across all lines of business and channels is [...]

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Battle of the Spreadsheets: Is There a Better Way to Set Prices?

Banks have applied analytic models and decisioning technology to virtually every part of their business—from evaluating a consumer’s credit risk to determining the best treatment for a delinquent [...]

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The Rise of the Attributes

It started subtly, but has been gaining momentum in recent months. Attributes, once obscure and little understood, are becoming more common and integral in lending processes. [...]

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Attributes: The Cornerstone of Sound Credit Policy

You’ve heard the term cornerstone before, right? The word comes from the concept of setting the first stone in the construction of a masonry foundation. It is the most important “brick” since it [...]

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FIND THOSE MULES! Catching First Party Fraud in Financial Services

ID Analytics, Inc. (IDA) provides analytical solutions to assess consumer risk management on behalf of telecommunications, banking, e-commerce, finance, and government entities. This [...]

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Managing Credit Card Risk in the Golden Age of Regulations

The nature of credit risk management in the credit card industry has changed. The current regulatory environment has put financial institutions in an interesting bind. On the one hand, credit [...]

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It’s Tough Being the Middleman: Managing Risk in Merchant Acquisition

It’s tough being in the middle. Just ask any middle child. The other siblings are always favored and are never stuck playing intermediary. Being an intermediary poses an inherent set of [...]

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Realtime Data for a Realtime Threat: Preventing Fraud in a Mobile World

Mobile is changing the way we live. Just as it has increased the frequency and immediacy of our communications (by being constantly plugged in to email, texting, social networks, etc.), it is [...]

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