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Can Ensemblex Build a Good Credit Model in My Market?
In short: Yes, we can. But not without you. Potential clients, especially in emerging markets, often ask us how well we understand the...
Leland Burns & Jim McGuire
3 hours ago


What Are The Trade-offs Between Soft Pulls and Hard Pulls for Credit Card Applications?
Every credit card application flow will include some sort of bureau data request, often called a credit "pull". There are multiple kinds...
Scott Bass
Sep 1


From Growth at All Costs to Sustainable Profitability: Lessons from a Leading LatAm Fintech
Over the past decade, easy capital, VC expectations, and aggressive customer acquisition targets led many fintechs to pursue scale with a...
Brandon Homuth
Aug 27


How Can You Test Lending Ideas Without High Costs?
Many early-stage lenders hesitate to test new product ideas because of the perceived expense. That's a shame, because great testing...
Brandon Homuth
Aug 26


Do I Need to Monitor My Credit Model?
Do you want to accurately and consistently segment risk, therefore enabling your entire credit strategy? Then yes, you need to monitor...
Leland Burns & Jim McGuire
Aug 18


Credit vs. Prepaid: What Founders Need to Know Before Building a Card Product
Same form factor. Very different infrastructure. They look identical in-hand, but credit and debit cards are very different on the back...
Scott Bass
Aug 11


What Is ‘Outside-In’ Testing, And How Does It Accelerate Learning for Fintechs?
We recently worked with a fintech trying to increase the profitability of their loan product. The obvious lever: price. Lower the...
Brandon Homuth
Aug 4


My Model Works. Why Do I Need a New One?
"If it ain't broke, don't fix it." Lenders often push back when we suggest exploring a new model build. It's fair—model builds require...
Leland Burns & Jim McGuire
Jul 28


Who Can Help Me Build My Credit Card Program?
Launching a credit card (or other lending product) can make you feel like you're spread pretty thin. There's a myriad of vendor, partner,...
Scott Bass
Jul 21
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