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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...

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...