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Hidden Gems
Author | Jim Kasch The more I talk about AI-driven underwriting, the more questions I entertain from credit union leaders. Among the most...
3 min read
129 views


Is conservative approach to new technologies holding back Credit unions?
Author | Jim Kasch Credit union leaders, so by virtue, credit unions themselves, are conservative by nature. We prefer to measure three...
3 min read
157 views


Credit Decisioning Post-COVID, And How AI Can Help
As COVID eases out in light of vaccinations, the societal and economic impact rages worldwide. Customer behavior has changed permanently...
4 min read
246 views


Lending in 2021, how the year looks for the credit market
The Covid-19 pandemic and subsequent lockdowns brought dramatic changes to the global economy. The World Bank predicted that the global...
4 min read
283 views


Uncertain Times and The Importance of using Flexible Rule Engines
Author | Scienaptic Research While demand for credit will probably grow, new challenges have emerged for lenders. As job losses and...
3 min read
246 views


Reimagining auto loans: The opportunity ahead for credit unions
by Scienaptic Research Auto loans, especially those for used vehicles, make up a significant portion of the portfolio for credit unions -...
4 min read
356 views


The Case for Using Borrowers’ Employment Data in Credit Underwriting
Scienaptic Research As part of the credit underwriting process, lenders usually verify borrowers’ income and employment status to ensure...
3 min read
355 views


Credit Management and Account Treatment in a Post-COVID World
Author: Eric Steinhoff, Rakesh Lavi The impact of COVID-19 on the US and world economies has been deep and far-reaching, with economic...
4 min read
338 views


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