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Why APIs are essential to your consumer lending operations

Feb 27, 2017 Walt Wojciechowski

Why APIs are essential to your consumer lending operations

Application programming interfaces enable software to interact with other systems to support complex functions. How do consumer lenders use this technology?


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How could blockchain change consumer lending services?

Feb 16, 2017 Dave King

Succeeding in today's consumer lending industry entails building an infrastructure designed to support digital products and services. CMOs and CFOs must collaborate with their technically minded colleagues to determine how the latest technologies can enable new services.


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Do you have the right consumer reports to score credit invisibles?

Feb 09, 2017 Walt Wojciechowski

Do you have the right consumer reports to score credit invisibles?

There are about 26 million credit invisible consumers throughout the U.S., according to a report from the Consumer Financial Protection Bureau. While these individuals represent an untapped market, engaging them in the lending process is difficult because loan officers, underwriters and others have no traditional credit data to reference in the approval process.


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How alternative credit data can help enterprises achieve fair lending

Jan 30, 2017 Walt Wojciechowski

The 2008 recession put financial institutions under the microscope. Consumers are quick to judge FIs for both real and perceived transgressions, and organizations such as the Consumer Financial Protection Bureau aren't afraid to pursue companies accused of violating fair lending laws.


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How to manage financial risk when engaging credit invisibles

Jan 30, 2017 Walt Wojciechowski

Americans with thin-file and no-file credit reports represent a huge business opportunity for lenders. According to the Consumer Financial Protection Bureau, approximately 26 million people in the U.S. are "credit invisible," meaning they don't have reports with any of the big three credit bureaus.


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