Author | Jim Kasch Credit union leaders, so by virtue, credit unions themselves, are conservative by nature. We prefer to measure three...

As COVID eases out in light of vaccinations, the societal and economic impact rages worldwide. Customer behavior has changed permanently...

The Covid-19 pandemic and subsequent lockdowns brought dramatic changes to the global economy. The World Bank predicted that the global...

Author | Scienaptic Research While demand for credit will probably grow, new challenges have emerged for lenders. As job losses and...

by Scienaptic Research Auto loans, especially those for used vehicles, make up a significant portion of the portfolio for credit unions -...

Scienaptic Research As part of the credit underwriting process, lenders usually verify borrowers’ income and employment status to ensure...

Author: Eric Steinhoff, Rakesh Lavi The impact of COVID-19 on the US and world economies has been deep and far-reaching, with economic...

Is it possible to originate safely in this environment? Author | Eric Steinhoff “If you’re not growing, you’re dying” – we’ve all heard a...

Author: Scienaptic Research Many economists and researchers were warning us about the next recession to hit us by the mid-2020s. And...

Author: Pankaj Kulshreshtha In the run upto 2008, I had an interesting experience as CRO for a loans portfolio. While the stress and...

These are tough times for financial institutions and consumers alike. Traditionally risk managers have responded to such sharp slowdowns...

Author | Vinay Bhaskar Traditionally risk managers have responded to recession predictions by simply reducing risk appetite. This is...

By Scienaptic Research Group The credit industry and the needs of borrowers have evolved rapidly in the past decade. One of the main...

Author: Subbu Venkataramanan Introduction In the last few years, some business trends led Credit Unions to change how they do business....

Author: Vijaya Kumar Small and Medium sized Business (SMB) lending banks, credit unions and fintech/online lenders in the US are going...

Authors : Subbu Venkataramanan | Vijaya Kumar | Rakesh Lavi Competition from new age players, have made flexibility and response time...

Author | Gungor Ozer “Planning is bringing the future into the present so that you can do something about it now.” Alan Lakein A recent...

Author | Pankaj Kulshreshtha A couple of decades ago, I was about to complete my PhD thesis in a rather esoteric confluence of AI,...

Author | Vinay Bhaskar Accurate and reliable forecasting of the Credit Losses has always been a subject of critical focus in Retail...

Authors | Subbu Venkataramanan, Gungor Ozer Understanding and Interpreting Credit Risk Models Credit scores are designed to measure how...

Author | Aditya Khandekar Its been a busy summer work-wise, we have been cooking up (literally!) AI driven solutions for credit...

Authors | Subbu Venkataramanan, Madhuri Prabhakar The credit underwriting process has been significantly improved with the use of Machine...

Authors | Pankaj Jain, Madhuri Prabhakar This blog post explores the new-fangled relationship between banks and online lenders, and how...

Author | Vinay Bhaskar The two-day conference on consumer lending optimization was held on June 7th and June 8th in NY this year, which...