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Do you want to accurately and consistently segment risk, therefore enabling your entire credit strategy? Then yes, you need to monitor...

Same form factor. Very different infrastructure. They look identical in-hand, but credit and debit cards are very different on the back...

We recently worked with a fintech trying to increase the profitability of their loan product. The obvious lever: price. Lower the...

"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...

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,...

What Exactly Is a Leaky Variable? A leaky variable is any feature in your training data that contains information you won't have at...

Running tests has technically never been easier. With highly configurable back-end tech and sophisticated data analysis tools widely...

We see so many lenders get stuck in the same paradoxical situation: they're trying to expand their reach to the millions of underbanked...

The Short Answer: Yes, and Don't Cut Corners When investors, debt providers, and sponsor banks ask to see your credit policy, it may seem...

Gradient Boost Models (GBMs) have become the go-to tool for many credit modelers for good reason. GBMs can unlock meaningful lift in...