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Years ago, while running at a subprime lending operation, we used to offer customers the option to receive their credit card via standard...

In short: Yes, we can. But not without you. Potential clients, especially in emerging markets, often ask us how well we understand the...

Every credit card application flow will include some sort of bureau data request, often called a credit "pull". There are multiple kinds...

Over the past decade, easy capital, VC expectations, and aggressive customer acquisition targets led many fintechs to pursue scale with a...

Many early-stage lenders hesitate to test new product ideas because of the perceived expense. That's a shame, because great testing...

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...