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The credit industry and the needs of borrowers have evolved rapidly in the past decade. One of the main challenges that lenders face is...

Introduction In the last few years, some business trends led Credit Unions to change how they do business. These include changes in...

Small and Medium sized Business (SMB) lending banks, credit unions and fintech/online lenders in the US are going though challenging times. Uncertain economic and regulatory conditions and changing needs of SMBs, are some of the broad challenges they face. Add to it the pressure of risk management that arises from diverse SMB customers and a sheer number of loan applications. A lower interest rate is no longer a differentiating factor for banks, but a seamless customer experi