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Blockchain: What’s Next? Protection for Titled Assets

Blockchain.  It seems to be the hottest buzzword in our industry right now.  But, what is blockchain?  Nobody can really define it clearly.  But hundreds, maybe even thousands have tried. [...]

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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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From Prussia with Love: Agility as a Competitive Advantage

In 1806, at the Battle of Jena-Auerstedt, the Prussian Army got crushed by Napoleon. Using carefully planned and flexible troop dispositions, Napoleon was able to run circles around the slower [...]

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Want Loyalty? Start with the Customer

My last blog post focused on creating a retail experience that drives customer loyalty beyond rewards. The bottom line is that knowing what is important to your customers and responding to their [...]

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Underwriting Small Business Merchants: Seeing Risk More Accurately

According to a recent study, difficult economic times can spur greater entrepreneurship. The study, conducted by the Ewing Marion Kauffman Foundation, found that a majority of the largest, most [...]

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Bringing ROI back to Originating Private Label Credit Card Accounts

Private label credit card originators face a challenge. They manage credit card portfolios that must meet overall risk management goals, yet each brand in their portfolio has unique requirements [...]

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Automate Merchant Originations and Grow Wallet Share

The original impetus for loan origination systems and application processing was B2C and involved FI’s strategically finding ways to grow the sheer number of consumers in their portfolios.  [...]