Machine Learning Can Reduce Fraud Risk and Improve Profitability

The digitization of financial transactions and growth of mobile banking have tremendously increased the amount of information banks need to evaluate for fraud. This presents new challenges to [...]

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 [...]

Card Security: Tighten Current Standards Prior to Innovating

Card security and the need to better protect against fraud have gripped headlines since the Target breach. The ensuing aftermath of finger-pointing and lawsuits over who is responsible for the [...]

The Critical Difference Between Device ID and Device Reputation

When Identity Authentication Isn’t Enough Identity authentication, traditionally based on a customer’s self-identified personal information (name, address, phone, e-mail, Social Security Number, [...]

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. [...]

To Grow their Auto Loan Portfolios, Lenders are Taking Instant Prescreen for a Test Drive

Instant prescreen—the process of pre-approving consumers for a credit product and presenting a product offer in realtime—has long been a staple of the traditional banking cross-sell approach. [...]

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 [...]

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 [...]